The Formula of the Federal Reserve is as follows:
Fractional Reserve Banking is a Tontine policy, re-insured by a credit policy in the form of ex-chequer annuitie bills generating an over insurance, which is split with the Class "A" stockholders of the Federal Reserve and the United States Treasury. This split started in 1946 to fund their socialistic programs whose effect catalyzed small investment and over-consumption, postulating traded discounted script, compounding on Tontine principles, whose price premium is being confiscated through insurable interest at positive premium, positive premium, reflecting inflation.