Lead the government for 400 quarters (100 years). Try to average at least 94% employment while keeping average annual inflation at or below 6%. The live comparison and century review show annualized real growth, worst drawdown, low-employment years, purchasing power, innovation and credit busts. The dashed reference uses 100% reserves, market rates and no new money under the same external shocks; changed project starts can change innovation outcomes. Replay the same economy to compare choices against the same external shocks.

New money can go to households for fast demand support, banks for liquidity, or businesses for delayed and uncertain innovation. Add money queues one injection for the next quarter; press it again to cancel. Repeat injection every quarter explicitly keeps issuing that amount during fast-forward. With the toggle off, +10 years and Finish century use queued money only in the first quarter. Reserves and rate policy remain in place while advancing. Injection amounts are current-dollar money; starting annual GDP is $100bn. As prices rise, the same injection buys less. Real GDP is shown in opening-year dollars. This game abstracts the government and central bank into one policy desk.

In this scenario, lower reserve requirements and below-market rates expand risky credit, hiring and investment more quickly. Successful innovation raises productive capacity and can ease some debt and valuation pressure. Repeated failures or excessive expansion can culminate in a credit bust. Inflation is another cost of trying to keep demand high.

At 100% reserves and the market rate, growth relies more on savings, retained earnings and realized innovation. This reduces the modeled credit-bubble channel; it does not prevent supply shocks, recessions or unsuccessful projects. Switching back to full reserves does not erase existing fragile credit, and tightening rapidly can cause a painful adjustment.

These are explicit game assumptions inspired by credit-cycle and innovation arguments, not settled laws or a calibrated economic forecast. Real-world monetary, fiscal and banking arrangements differ. Bank reserves are not bank capital. Actual bank lending creates deposits and is constrained by profitability, capital, liquidity, regulation and demand—not a mechanical 1/reserve multiplier. The displayed market rate is a model estimate, not an observable guaranteed equilibrium.