Lamine Zarad joins us and provides a Banking 101 lesson. He joined Merrill Lynch at the height of the financial crisis doing his best to avert disaster. He realized at that height of the economic apocalypse that the only stable thing was the federal government which was going to be the savior of us all in his words- and he wanted to know how and why. He studied public policy and public finance and got a job at the US Treasury which is why we discuss the entanglement of the banking system and political system in the US, Dodd Frank, the Volker Rule, the Bank Secrecy Act as affected by the Patriot Act, Glass-Steagall, proprietary trading, FinTech, blockchain and how that all relates to cannabis.