William A. Barnett University of Kansas and Center for Financial Stability   1904 Inverness Drive Lawrence, KS 66047-1832 USA   williamabarnett@gmail.com   https://server1.tepper.cmu.edu/barnett/welcome.html           JEL Areas: C4 : Econometric and Statistical Methods: Special Topics E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General