I appreciate all of the information here and everyone's efforts, but it seems much of this discussion is at cross purposes. I feel some initial agreement on terms/definitions would help, as would some simple illustrations. Banking has always been high on my list of billiard interests, and I really would like to understand what I think is being discussed. Is there any article that I can read? Has Dr. Dave ever addressed the subject? What is the best article or chapter on the subject of banking?
The lack of clarity in the initial inquiry probably contributed to my confusion. This thread reminds me of some discussions with my wife which cause me to finally interject, "Time out. We are missing each other. Let's start over." While not an unusual state of affairs here on AZB, the subject of banking is one which demands I speak out.