BKS Incorporated has a research and development (R&D) facility in the Arizona desert. Only authorized persons are allowed in the facility, and all employees and guests must sign a non-disclosure agreement. BKS likely considers the ideas of the people in their R&D division to be:

The banking act of 1933, also known as the glass-steagall act, established the federal deposit insurance corporation (fdic), which a protected banks from failure by ensuring that the government would bail them out if necessary. b required american taxpayers to establish an account with a commercial bank. c protected depositors from financial losses when banks failed.