Here’s the whole article.
http://en.wikipedia.org/wiki/Fractional-reserve_banking
It’s not really all that difficult. The definition of fractional reserve banking is a fact. Whether it’s a good or bad idea is a matter of opinion.
It's not difficult. It is a fact.
Fractional-reserve banking is the practice whereby a bank takes in deposits, creates credit or makes loans...that are less than the amount of its customers’ deposits.
Kinda like my post #24,
Fractional reserve means they hold a fraction of deposits. Which means they loan less than their deposits, not multiples.