globals [
  bank-loans
  bank-reserves
  bank-deposits
  bank-to-loan
  clock
  x-max
  y-max
  rich
  poor
  middle-class
  rich-threshold
  ticks
  comp1-savings
  comp2-savings
  comp3-savings
  comp1-grosssold
  comp2-grosssold
  comp3-grosssold
  comp1-stocks
  comp1-stockvalue
  comp1-quality
  comp1-research
  comp1-unitstock
  comp1-prodrate
  comp1-price
  comp1-wallet
  comp1-bankrupt
  comp1-loans
  comp2-stocks
  comp2-stockvalue
  comp2-quality
  comp2-research
  comp2-unitstock
  comp2-prodrate
  comp2-price
  comp2-wallet
  comp2-bankrupt
  comp2-loans
  comp3-stocks
  comp3-stockvalue
  comp3-quality
  comp3-research
  comp3-unitstock
  comp3-prodrate
  comp3-price
  comp3-wallet
  comp3-bankrupt
  comp3-loans
  temp
]

to setup-comp1 ;;initialize wealthy corporation1
  set comp1-wallet 11500
  set comp1-bankrupt 0
  set comp1-loans 0
  set comp1-grosssold 0
end  

to setup-comp2 ;;initialize cheap corporation2
  set comp2-wallet 11500
  set comp2-bankrupt 0
  set comp2-loans 0
  set comp2-grosssold 0
end  

to setup-comp3 ;;initialize normal corporation3
  set comp3-wallet 11500
  set comp3-bankrupt 0
  set comp3-loans 0
  set temp 0
  set comp3-grosssold 0
end  

turtles-own [
  savings
  loans
  wallet
  temp-loan
  wealth
  customer
  job
  job-rank
]


to setup
  ca
  initialize-variables
  ask patches [set pcolor black]    ;;initializes screen
  set-default-shape turtles "person"
  cct people [setup-turtles]
  setup-bank
  setup-plots
  setup-comp1
  setup-comp2
  setup-comp3
end


to setup-turtles  ;; turtle procedure
  set color blue
  setxy random-float screen-size-x
        random-float screen-size-y
  rt random-float 360
  set wallet (random rich-threshold) + 1 ;;limit money to threshold
  set savings 0
  set loans 0
  set wealth 0
  set customer -1
  set job (random 3) + 1
  set job-rank (random 4) + 1
end


to setup-bank ;;initialize bank
  set bank-loans 0
  set bank-reserves 0
  set bank-deposits 0
  set bank-to-loan 0
end


to setup-plots ;;initialize plots
  clear-all-plots
  set x-max 300
  set y-max 2 * money-total
  setup-plot1
  setup-plot2
  setup-plot3
  setup-histogram
end


to initialize-variables
  set rich 0
  set middle-class 0
  set poor 0
  set clock 0
  set rich-threshold 10
end


to get-shape  ;;turtle procedure
  if (savings > 10)  [set color green]
  if (loans > 10) [set color red]
  set wealth (savings - loans)
end


to go
  ;;tabulates each distinct class population
  set rich (count turtles with [savings > rich-threshold])
  set poor (count turtles with [loans > 10])
  set middle-class (count turtles - (rich + poor))

  do-plots

  set clock ((clock + 1) mod 3)  ;;sets the clock as either 0, 1, or 2, cycles through options
  ask turtles [
    ifelse clock = 0
      [do-business] ;;first cycle, "do business"
      [ifelse clock = 1  ;;second cycle, "balance books" and "get shape"
         [balance-books get-shape get-paycheck balance-comp1-books balance-comp2-books balance-comp3-books]
         [bank-balance-sheet] ;;third cycle, "bank balance sheet"
      ]
  ]
end


to do-business  ;;turtle procedure
  rt random-float 360
  fd 1

  if ((savings > 0) or (wallet > 0) or (bank-to-loan > 0))
    [
    ifelse (random 3) = 0 [
        if (random 10) > 5                     ;; 50% chance of trading with custome
           [ifelse (random 2) = 0            ;; 50% chance of trading $5 or $2
              [set comp1-wallet (comp1-wallet + 5) ;;give 5 to customer
               set wallet (wallet - 5) ] ;;take 5 from wallet
              [set comp1-wallet (comp1-wallet + 3) ;;give 2 to customer
               set wallet (wallet - 3)] ;;take 2 from wallet
           ]
        ]
     [
     ifelse(random 2) = 0
     [
        if (random 10) > 5                     ;; 50% chance of trading with customer
           [ifelse (random 2) = 0            ;; 50% chance of trading $5 or $2
              [set comp2-wallet (comp2-wallet + 5) ;;give 5 to customer
               set wallet (wallet - 5) ] ;;take 5 from wallet
              [set comp2-wallet (comp2-wallet + 3) ;;give 2 to customer
               set wallet (wallet - 3)] ;;take 2 from wallet
           ]
        ]
        [if(random 10) > 5                      ;; 50% chance of trading with customer
           [ifelse (random 2) = 0            ;; 50% chance of trading $5 or $2
              [set comp3-wallet (comp3-wallet + 5) ;;give 5 to customer
               set wallet (wallet - 5) ] ;;take 5 from wallet
              [set comp3-wallet (comp3-wallet + 3) ;;give 2 to customer
               set wallet (wallet - 3)] ;;take 2 from wallet
           ]
        ]
        ]
        ]
        
             
     
     
end

to get-paycheck
  if(comp1-wallet > 0)[
    if(job = 1)[
      ifelse (random 2) = 0            ;; 50% chance of trading $5 or $2
              [set comp1-wallet (comp1-wallet - 6) ;;give 5 to customer
               set wallet (wallet + 6) ] ;;take 5 from wallet
              [set comp1-wallet (comp1-wallet - 4) ;;give 2 to customer
               set wallet (wallet + 4)] ;;take 2 from wallet
           ]]
           
           
  if(comp2-wallet > 0)[
    if(job = 2)[
         ifelse (random 2) = 0            ;; 50% chance of trading $5 or $2
              [set comp2-wallet (comp2-wallet - 6) ;;give 5 to customer
               set wallet (wallet + 6) ] ;;take 5 from wallet
              [set comp2-wallet (comp2-wallet - 4) ;;give 2 to customer
               set wallet (wallet + 4)] ;;take 2 from wallet
           ]
               ]
   if(comp3-wallet > 0)[      
      if(job = 3)[
          ifelse (random 2) = 0            ;; 50% chance of trading $5 or $2
              [set comp3-wallet (comp3-wallet - 6) ;;give 5 to customer
               set wallet (wallet + 6) ] ;;take 5 from wallet
              [set comp3-wallet (comp3-wallet - 4) ;;give 2 to customer
               set wallet (wallet + 4)] ;;take 2 from wallet
           ]]
            
            
end

;; First checks balance of the turtle's wallet, and then either puts
;; a positive balance in savings, or tries to get a loan to cover
;; a negatve balance.  If it cannot get a loan (if bank-to-loan < 0)
;; then it maintains the negative balance until the next round.  It
;; then checks if it has loans and money in savings, and if so, will
;; procedd to pay as much of that loan off as possible from the money
;; in savings.

to balance-comp1-books
 ifelse (comp1-wallet < 5000)
    [ifelse (comp1-savings >= (- comp1-wallet))
       [withdraw-from-comp1-savings (- comp1-wallet)]
       [if (comp1-savings > 0)
          [withdraw-from-comp1-savings comp1-savings]

        set temp-loan bank-to-loan           ;;temp-loan = amount available to borrow
        if (temp-loan != 0)
        [        ifelse (temp-loan >= (- comp1-wallet))
          [take-out-comp1-loan (- comp1-wallet)]
          [take-out-comp1-loan temp-loan]
          ]
       ]
     ]
    [deposit-to-comp1-savings comp1-wallet]

  if (comp1-loans > 0 and comp1-savings > 0)            ;; when there is money in savings to payoff loan
    [ifelse (comp1-savings >= comp1-loans)
       [withdraw-from-savings comp1-loans
        repay-a-loan comp1-loans]
       [withdraw-from-savings comp1-savings
        repay-a-loan comp1-wallet]
    ]
end
to balance-comp2-books
 ifelse (comp2-wallet < 5000)
    [ifelse (comp2-savings >= (- comp2-wallet))
       [withdraw-from-comp2-savings (- comp2-wallet)]
       [if (comp2-savings > 0)
          [withdraw-from-comp1-savings comp2-savings]

        set temp-loan bank-to-loan           ;;temp-loan = amount available to borrow
        if (temp-loan != 0)[
        ifelse (temp-loan >= (- comp2-wallet))
          [take-out-comp2-loan (- comp2-wallet)]
          [take-out-comp2-loan temp-loan]
          ]
       ]
     ]
    [deposit-to-comp2-savings comp2-wallet]

  if (comp2-loans > 0 and comp2-savings > 0)            ;; when there is money in savings to payoff loan
    [ifelse (comp2-savings >= comp2-loans)
       [withdraw-from-savings comp2-loans
        repay-a-loan comp2-loans]
       [withdraw-from-savings comp2-savings
        repay-a-loan comp2-wallet]
    ]
end
to balance-comp3-books
 ifelse (comp3-wallet < 5000)
    [ifelse (comp3-savings >= (- comp3-wallet))
       [withdraw-from-comp3-savings (- comp3-wallet)]
       [if (comp3-savings > 0)
          [withdraw-from-comp3-savings comp3-savings]

        set temp-loan bank-to-loan           ;;temp-loan = amount available to borrow
        if (temp-loan != 0)
        [
        ifelse (temp-loan >= (- comp3-wallet))
          [take-out-comp3-loan (- comp3-wallet)]
          [take-out-comp3-loan temp-loan]
       ]
       ]
     ]
    [deposit-to-comp3-savings comp3-wallet]

  if (comp3-loans > 0 and comp3-savings > 0)            ;; when there is money in savings to payoff loan
    [ifelse (comp3-savings >= comp3-loans)
       [withdraw-from-savings comp3-loans
        repay-a-loan comp3-loans]
       [withdraw-from-savings comp3-savings
        repay-a-loan comp3-wallet]
    ]
end

to balance-books
  ifelse (wallet < 0)
    [ifelse (savings >= (- wallet))
       [withdraw-from-savings (- wallet)]
       [if (savings > 0)
          [withdraw-from-savings savings]

        set temp-loan bank-to-loan           ;;temp-loan = amount available to borrow
        ifelse (temp-loan >= (- wallet))
          [take-out-loan (- wallet)]
          [take-out-loan temp-loan]
       ]
     ]
    [deposit-to-savings wallet]

  if (loans > 0 and savings > 0)            ;; when there is money in savings to payoff loan
    [ifelse (savings >= loans)
       [withdraw-from-savings loans
        repay-a-loan loans]
       [withdraw-from-savings savings
        repay-a-loan wallet]
    ]
end


;; Sets aside required amount from liabilities into
;; reserves, regardless of outstanding loans.  This may
;; result in a negative bank-to-loan amount, which
;; means that the bank will be unable to loan money
;; until it can set enough aside to account for reserves.

to bank-balance-sheet ;;update monitors
  set bank-deposits (sum values-from turtles [savings] + comp1-savings + comp2-savings + comp3-savings)
  set bank-loans (sum values-from turtles [loans] + comp1-loans + comp2-loans + comp3-loans)
  set bank-reserves ((reserves / 100) * bank-deposits)
  set bank-to-loan (bank-deposits - (bank-reserves + bank-loans))
end


to deposit-to-savings [amount] ;;fundamental procedures
  set wallet (wallet - amount)
  set savings (savings + amount)
end
to deposit-to-comp1-savings [amount]
  set comp1-wallet (comp1-wallet - amount)
  set comp1-savings (comp1-savings + amount)
end
to deposit-to-comp2-savings [amount]
  set comp2-wallet (comp2-wallet - amount)
  set comp2-savings (comp2-savings + amount)
end
to deposit-to-comp3-savings [amount]
  set comp3-wallet (comp3-wallet - amount)
  set comp3-savings (comp3-savings + amount)
end


to withdraw-from-savings [amount] ;;fundamental procedures
  set wallet (wallet + amount)
  set savings (savings - amount)
end

to withdraw-from-comp1-savings [amount]
  set comp1-wallet (comp1-wallet + amount)
  set comp1-savings (comp1-savings - amount)
end
to withdraw-from-comp2-savings [amount]
  set comp2-wallet (comp2-wallet + amount)
  set comp2-savings (comp2-savings - amount)
end
to withdraw-from-comp3-savings [amount]
  set comp3-wallet (comp3-wallet + amount)
  set comp3-savings (comp3-savings - amount)
end

to repay-a-loan [amount] ;;fundamental procedures
  set loans (loans - amount)
  set wallet (wallet - amount)
  set bank-to-loan (bank-to-loan + amount)
end


to take-out-loan [amount] ;;fundamental procedures
  set loans (loans + amount)
  set wallet (wallet + amount)
  set bank-to-loan (bank-to-loan - amount)
end
to take-out-comp1-loan [amount]
  set comp1-loans (comp1-loans + amount)
  set comp1-wallet (comp1-wallet + amount)
  set bank-to-loan (bank-to-loan - amount)
end
to take-out-comp2-loan [amount]
  set comp2-loans (comp2-loans + amount)
  set comp2-wallet (comp2-wallet + amount)
  set bank-to-loan (bank-to-loan - amount)
end
to take-out-comp3-loan [amount]
  set comp3-loans (comp3-loans + amount)
  set comp3-wallet (comp3-wallet + amount)
  set bank-to-loan (bank-to-loan - amount)
end

to-report savings-total
  report (sum values-from turtles [savings])
end


to-report loans-total
  report (sum values-from turtles [loans])
end


to-report wallets-total
  report (sum values-from turtles [wallet])
end


to-report money-total
  report (sum values-from turtles [wallet + savings])
end


to setup-plot1
  set-current-plot "Money & Loans"
  set-plot-x-range 0 x-max
  set-plot-y-range -50 y-max
end


to setup-plot2
  set-current-plot "Savings & Wallets"
  set-plot-x-range 0 x-max
  set-plot-y-range -50 y-max
end


to setup-plot3
  set-current-plot "Income Dist"
  set-plot-x-range 0 x-max
  set-plot-y-range 0 (count turtles)
end

to-report paycheck-amount1
  report (comp1-wallet - 200)/ (count turtles)
end

to-report paycheck-amount2
  report (comp2-wallet - 200)/ (count turtles)
end
  
to-report paycheck-amount3
  report (comp3-wallet - 200)/ (count turtles)
end


to setup-histogram
  set-current-plot "Wealth Distribution Histogram"
  set-plot-y-range 0 (count turtles)

  set ticks 0
end


to do-plots
  set-current-plot "Money & Loans"
  set-current-plot-pen "money"
  plot money-total
  set-current-plot-pen "loans"
  plot loans-total

  set-current-plot "Savings & Wallets"
  set-current-plot-pen "savings"
  plot savings-total
  set-current-plot-pen "wallets"
  plot wallets-total

  set-current-plot "Income Dist"
  set-current-plot-pen "rich"
  plot rich
  set-current-plot-pen "middle"
  plot middle-class
  set-current-plot-pen "poor"
  plot poor

  set-current-plot "Wealth Distribution Histogram"
  if( ticks mod 10 = 1 ) [
    clear-plot
    let max-wealth (max (values-from turtles [wealth]))
    let min-wealth (min (values-from turtles [wealth]))
    let one-fifth-wealth 0.2 * (max-wealth - min-wealth)
    let num-bins 10
    let index 1
    let interval (round ((plot-x-max - plot-x-min) / num-bins))
    plot-pen-reset

    repeat num-bins [
      plotxy ((index - 1) * interval + 0.002)
                 (count turtles with [
                      wealth < (min-wealth + index * one-fifth-wealth) and
                      wealth >= (min-wealth + (index - 1) * one-fifth-wealth)
                  ]
                 )

     plotxy  (index * interval)
                 (count turtles with [
                      wealth < (min-wealth + index * one-fifth-wealth) and
                      wealth >= (min-wealth + (index - 1) * one-fifth-wealth)
                  ]
                 )

     plotxy (index * interval + 0.001) 0
     set index index + 1
    ]
  ]
  set ticks (ticks + 1)
end


; *** NetLogo Model Copyright Notice ***
;
; This model was created as part of the project: CONNECTED MATHEMATICS:
; MAKING SENSE OF COMPLEX PHENOMENA THROUGH BUILDING OBJECT-BASED PARALLEL
; MODELS (OBPML).  The project gratefully acknowledges the support of the
; National Science Foundation (Applications of Advanced Technologies
; Program) -- grant numbers RED #9552950 and REC #9632612.
;
; Copyright 1998 by Uri Wilensky. All rights reserved.
;
; Permission to use, modify or redistribute this model is hereby granted,
; provided that both of the following requirements are followed:
; a) this copyright notice is included.
; b) this model will not be redistributed for profit without permission
;    from Uri Wilensky.
; Contact Uri Wilensky for appropriate licenses for redistribution for
; profit.
;
; This model was converted to NetLogo as part of the project:
; PARTICIPATORY SIMULATIONS: NETWORK-BASED DESIGN FOR SYSTEMS LEARNING IN
; CLASSROOMS.  The project gratefully acknowledges the support of the
; National Science Foundation (REPP program) -- grant number REC #9814682.
; Converted from StarLogoT to NetLogo, 2001.  Updated 2002.
;
; To refer to this model in academic publications, please use:
; Wilensky, U. (1998).  NetLogo Bank Reserves model.
; http://ccl.northwestern.edu/netlogo/models/BankReserves.
; Center for Connected Learning and Computer-Based Modeling,
; Northwestern University, Evanston, IL.
;
; In other publications, please use:
; Copyright 1998 by Uri Wilensky.  All rights reserved.  See
; http://ccl.northwestern.edu/netlogo/models/BankReserves
; for terms of use.
;
; *** End of NetLogo Model Copyright Notice ***
@#$#@#$#@
GRAPHICS-WINDOW
262
10
578
347
8
8
18.0
1
10
1
1
1
0
1
1
1

CC-WINDOW
5
562
872
657
Command Center
0

SLIDER
138
84
260
117
People
People
0
200
34
1
1
NIL

SLIDER
2
84
137
117
Reserves
Reserves
0.0
100.0
58.0
1.0
1
NIL

BUTTON
47
41
136
78
setup
setup
NIL
1
T
OBSERVER
T
NIL

BUTTON
149
41
236
78
go
go
T
1
T
OBSERVER
T
NIL

PLOT
4
350
247
548
Money & Loans
Time
Mny + Lns
0.0
300.0
-50.0
600.0
true
true
PENS
"money" 1.0 0 -16777216 true
"loans" 1.0 0 -2674135 true

MONITOR
144
173
259
222
WALLETS TOTAL
wallets-total
2
1

MONITOR
144
124
259
173
SAVINGS TOTAL
savings-total
2
1

MONITOR
144
222
259
271
LOANS TOTAL
loans-total
2
1

MONITOR
19
124
144
173
MONEY TOTAL
money-total
2
1

MONITOR
19
222
144
271
BANK RESERVES
bank-reserves
2
1

MONITOR
19
173
144
222
BANK TO LOAN
bank-to-loan
2
1

PLOT
250
350
510
548
Savings & Wallets
Time
Svngs + Wllts
0.0
300.0
-50.0
600.0
true
true
PENS
"savings" 1.0 0 -13345367 true
"wallets" 1.0 0 -10899396 true

PLOT
581
144
844
342
Income Dist
Time
People
0.0
300.0
0.0
57.0
true
true
PENS
"rich" 1.0 0 -10899396 true
"middle" 1.0 0 -16777216 true
"poor" 1.0 0 -2674135 true

PLOT
514
350
827
548
Wealth Distribution Histogram
poor <--------> rich
People
0.0
100.0
0.0
57.0
false
false
PENS
"hist" 1.0 0 -13345367 true

MONITOR
598
14
731
63
Company 1 Wallet
comp1-savings\n
3
1

MONITOR
598
62
731
111
Company 2 Wallet
comp2-savings\n
3
1

MONITOR
730
14
863
63
Company 3 Wallet
comp3-savings
3
1

@#$#@#$#@
WHAT IS IT?
-----------
This program models the creation of money in an economy through a private banking system. As most of the money in the economy is kept in banks but only little of it needs to be used (i.e. in cash form) at any one time, the banks need only keep a small portion of their savings on-hand for those transactions. This portion of the total savings is known as the banks' reserves.

The banks are then able to loan out the rest of their savings. The government (the user in this case) sets a reserve ratio mandating how much of the banks' holdings must be kept in reserve at a given time. One 'super-bank' is used in this model to represent all banks in an economy. As this model demonstrates, the reserve ratio is the key determiner of how much money is created in the system.

In each round, people (represented by turtles) interact with each other to simulate everyday economic activity. Given a randomly selected number, when a person is on the same patch as someone else it will either give the person two or five dollars, or no money at all. After this, people must then sort out the balance of their wallet with the bank. People will put a positive wallet balance in savings, or pay off a negative balance from funds already in savings. If the savings account is empty and the wallet has a negative balance, a person will take out a loan from the bank if funds are available to borrow (if bank-to-loan > 0). Otherwise the person maintains the negative balance until the next round. Lastly, if someone has money in savings and money borrowed from the bank, that person will pay off as much of the loan as possible using the savings.


HOW TO USE IT
-------------
The RESERVES slider sets the banking reserve ratio (the percentage of money that a bank must keep in reserve at a given time). The PEOPLE slider sets the number of people that will be created in the model when the SETUP button is pressed. The SETUP button resets the model: it redistributes the patch colors, creates PEOPLE people and initializes all stored values. The GO button starts and stops the running of the model and the plotter.

There are numerous display windows in the interface to help the user see where money in the economy is concentrated at a given time. SAVINGS-TOTAL indicates the total amount of money currently being kept in savings (and thus, in the banking system). The bank must then allocate this money among three accounts: LOANS-TOTAL is the amount the bank has lent out, BANK-TO-LOAN is the amount that the bank has available for loan, and BANK-RESERVES is the amount the bank has been mandated to keep in reserve. When the bank must recall loans (i.e. after the reserve ratio has been raised) BANK-TO-LOAN will read a negative amount until enough of the lent money has been paid off. WALLETS-TOTAL gives an indication of the total amount of money kept in peoples' wallets. This figure may also be negative at times when the bank has no money to loan (the turtle will maintain at a negative wallet balance until a loan is possible). MONEY-TOTAL indicates the total-amount of money currently in the economy (SAVINGS-TOTAL + WALLETS-TOTAL).  Because WALLETS-TOTAL is generally kept at 0 in this model (we are assuming that everyone desposits all they can in savings), MONEY-TOTAL and SAVINGS TOTAL tend to be the the same.

A person's color tells us whether it has money in savings (green) or is in debt (red).


THINGS TO NOTICE
----------------
Note how much money is in MONEY-TOTAL after pressing SETUP, but before pressing GO. The total amount of money that can be created will be his figure (the initial money in the system) * (1 / RESERVES). If the RESERVES remains constant through the run of the model, notice how the plot levels off at this value. Why is this equation descriptive of the system?

Once the amount of money in the system has hit the maximum (as calculated be the above equation), watch what happens when the RESERVES slider is set to 100. Now try setting the RESERVES slider back. Why does this happen?

The three monitors on the left of the interface (LOANS-TOTAL, BANK-TO-LOAN and RESERVES) represent the distribution of the bank's money at a given time. Try and track this distribution against SAVINGS-TOTAL, WALLETS-TOTAL and MONEY-TOTAL to understand fluctuations of money in the  system as they happen.

What effect does an increase in RESERVES generally have on TOTAL-MONEY?

Why do SAVINGS-TOTAL (yellow), LOANS-TOTAL (red) and MONEY-TOTAL (green) tend to rise and fall proportionately on the plot?

What happens to TOTAL-MONEY when the reserve ratio is initially set to 100 percent? Why?


THINGS TO TRY
-------------
Vary the RESERVES rate as the model runs, and watch the effect this has on MONEY-TOTAL.

Set RESERVES initially to 100, and watch the effect on TOTAL-MONEY. Now try lowering RESERVES.

Try setting the reserve rate to 0. What would happen if this were done in a real economy?


EXTENDING THE MODEL
-------------------
Try extending the model to include payments of interest in the banking system. People with money deposited in savings should be credited with interest on their account (at a certain rate) from the bank from time to time. People with money on loan should make interest payments on their account to the bank from time to time.

This model has turtles interact in a very simple way to have money change hands (and create a need for loans). Try changing the model so that money moves around the system in a different way.


RELATED MODELS
---------------
Income Distribution looks at how the reserve ratio affects the distribution of wealth.


CREDITS AND REFERENCES
----------------------
To refer to this model in academic publications, please use: Wilensky, U. (1998).  NetLogo Bank Reserves model. http://ccl.northwestern.edu/netlogo/models/BankReserves. Center for Connected Learning and Computer-Based Modeling, Northwestern University, Evanston, IL.

In other publications, please use: Copyright 1998 by Uri Wilensky.  All rights reserved.  See http://ccl.northwestern.edu/netlogo/models/BankReserves for terms of use.
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NetLogo 3.0
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