Lawrence H. White answers questions regarding a free banking system in modern society.  He explains how it would bring prosperity to the financial system and comments on the respective obligations of bankers and depositors.  He comments on the drawbacks of central banking and government efforts to control the financial system. He also talks about the implications of a 100 percent reserve system.  Finally, White shares his views on the future of banking under government restrictions and the impact this would have on economic growth.