The banks of America have pushed Yellen’s criminal BTFP program to yet another lifetime high, as it is FREE money to them. I do not know for a fact, but if I were to guess what percentage of adults in the U.S. could do a decent job articulating the BTFP, I’d think maybe 0.1%, and that is probably a kind estimate. Of course, it’s only $136 billion, so who’s counting, right?