And they deposit it into a savings account in PB#2 and let's say that out of all of these the bank says "well this is a demand deposit, I have to keep some reserves (this is a fractional reserve system) but I can lend out -- in the US I can lend out up to 90% of this and maybe this bank is a little bit more conservative, and they only lend out two-thirds of these, so they lend out 2 out of these 3 dollars.