Monetary policy used to be important with conservatives. It appears that no longer is true. Anyways, how can anyone get it closer than this guy?
"A bit of background Banks must keep specific amounts of cash on hand, called required reserves, to ensure that they can meet customers' withdrawal requirements. Money flows in and out every day at different levels, so when some banks fall behind, those with deeper pockets loan money out and cover the difference. Bank of America (NYSE: BAC) can lend to Washington Mutual (NYSE: WM), JPMorgan (NYSE: JPM) can cover Wachovia (NYSE: WB), and so on, until everyone is squared up at the end of the day. It's like the corporate version of a hippie commune."