I read that the 90% of dollars are in electronic form while 10% are in paper form. I do not understand how electronic dollars function? Don't electronic dollars eventually have to be converted to paper dollars? In your Warning, you said that banks need more capital to survive. How do banks raise capital? Also, I do not understand FAS 157--the valuation of financial assests and Tier 1 capital and how it is related to real estate. Also, please explain off-balance-sheet transactions.
