Q: How does pdqb fit into the present banking system?

A: Directly grafted-on: The deference portion becomes 
accessible to the account holder.

Q: Who controls a pdqb transaction?

A: The pdqb calculation is based on all the account 
information publicly available for the individual: 
Thus any transactor can query the pdqb system; and any 
transaction involving pdqb is controlled by that 
querying bank.

Q: How much is revealed to the public about my pdqbank account?

A: The pdqb ratio and the sufficient-funds 
acknowledgment are instantial public information at 
the point of transaction: this is standard security 
protocol for ephemeral data; the preference and 
deference quantities are non-public information. Any 
transactor or bank can query the pdqb system to 
ascertain whether the buyer has an account, whether 
the given bank account is included, and then the 
transaction parameters: it is to the advantage of the 
account holder to include all accounts into the pdqb 
database, else transactors may prefer more and defer 
less.

Q: Then the pdqb system must have information on all 
accounts for each individual?

A: Yes: The pdqbank system is the centralizer, by 
reason of it deference amount applied to all 
preference accounts cumulatively.
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There are two lines related to honesty:
1) paying with deference ratioed as much as seller has 
spent deference ratioed;
2) accepting preference as much as buyer has spending pattern ratio.