On the liability side, there are also two major figures: Demand deposits held by the commercial Banks, which constitute the reserves of those Banks; and Federal reserve Notes, cash emitted by the Fed.

You can download and use it without charge, but Castledine does put some limits on both his liability and your commercial use of the software.

Authors combine financial theory with cybernetics and system theory to prove and elucidate a new bank management method: the cybernetic system of commercial bank asset liability ratios management.