diff --git a/bank.cpp b/bank.cpp
new file mode 100644
index 0000000..b8640cd
--- /dev/null
+++ b/bank.cpp
@@ -0,0 +1,148 @@
+#include "bank.h"
+#include <iostream>
+
+using namespace std;
+
+double
+Client::earn (const double amount)
+{
+  underMattress += amount;
+  return amount;
+}
+
+double
+Client::getMattress ()
+{
+  return underMattress;
+}
+
+void
+Bank::listClients ()
+{
+  for (auto i : clients)
+    cout << "Name: " << i.id << " Current: " << i.current << endl;
+  cout << clients.size () << " accounts." << endl;
+}
+
+void
+Bank::countEmployees ()
+{
+  cout << employees.size () << " employees." << endl;
+}
+
+// Open account if enough employee capacity.
+bool
+Bank::openAccount (Client &x)
+{
+  if (employees.size () == 0)
+    return false;
+  if (employees.size () * CLIENT_EMPLOYEE <= clients.size ())
+    return false;
+  for (auto i : x.accounts)
+    if (i == this)
+      return false;
+
+  clientRecord newClient;
+  newClient.id = x.id;
+  clients.push_back (newClient);
+  x.accounts.push_back (this);
+
+  return true;
+}
+
+bool
+Bank::hire (Employee &x)
+{
+  if (x.employer != nullptr)
+    return false;
+  employees.push_back (&x);
+  x.employer = this;
+  return true;
+}
+
+bool
+Bank::fire (Employee &x)
+{
+  if (x.employer != this)
+    return false;
+  for (auto i = employees.begin (); i != employees.end (); i++)
+    if (*i == &x)
+      {
+        employees.erase (i);
+        x.employer = nullptr;
+        return true;
+      }
+  cout << "Bank doesn't have employee listed, but employee does." << endl;
+  exit (EXIT_FAILURE);
+}
+
+// Deposit money from under the mattress, return amount.
+double
+Bank::deposit (Client &x, const double amount)
+{
+  if (amount == 0)
+    return 0;
+  if (x.underMattress < amount)
+    return 0;
+  for (auto i = clients.begin(); i != clients.end(); i++)
+    if (i->id == x.id)
+      {
+        x.underMattress -= amount;
+        i->current += amount;
+        current += amount;
+        return amount;
+      }
+  cout << "Client doesn't have an account at bank." << endl;
+  return 0;
+}
+
+double
+Bank::getCurrent (const Client &x)
+{
+  for (auto i : clients)
+    if (i.id == x.id)
+      return i.current;
+  cout << "Client doesn't have an account at bank." << endl;
+  return 0;
+}
+
+void
+Gov::associate (Bank *const x)
+{
+  banks.push_back (x);
+}
+
+int
+main ()
+{
+  Client abdul ("abdul");
+  abdul.earn (666);
+
+  Employee dude ("dude");
+  Employee gal ("gal");
+
+  Gov fed;
+  Bank boa (&fed);
+
+  boa.countEmployees ();
+
+  boa.hire (dude);
+  boa.countEmployees ();
+  boa.fire (gal);
+  boa.countEmployees ();
+  boa.fire (dude);
+  boa.countEmployees ();
+  boa.hire (gal);
+  boa.hire (dude);
+  boa.countEmployees ();
+
+  boa.openAccount (abdul);
+  boa.listClients ();
+
+  cout << abdul.getMattress () << " under mattress." << endl;
+  boa.deposit (abdul, 500);
+  cout << boa.getCurrent (abdul) << " in bank account." << endl;
+  cout << abdul.getMattress () << " under mattress." << endl;
+
+  return 0;
+}
diff --git a/bank.h b/bank.h
new file mode 100644
index 0000000..e50c413
--- /dev/null
+++ b/bank.h
@@ -0,0 +1,98 @@
+#pragma once
+
+#include <ctime>
+#include <string>
+#include <vector>
+
+class Bank;
+class Client;
+class Employee;
+class Gov;
+
+class Gov
+{
+public:
+  int factor = 6;          // Money multiplier.
+  int rate = 2;            // Interest rate (%).
+  time_t last_bailout = 0; // Time since last bailout.
+  void associate (Bank *const x);
+  bool disassociate (Bank *const x);
+  double reserveDeposit (const Bank &x, const double amount);
+  double reserveWithdraw (const Bank &x, const double amount);
+  bool bailout (const Bank &x, double amount);
+
+private:
+  double bankReserves = 0;
+  std::vector<Bank *> banks;
+};
+
+class Bank
+{
+  friend class Gov;
+
+public:
+  Gov *centralBank;
+  Bank (Gov *x) : centralBank (x) { x->associate (this); };
+  double deposit (Client &x, const double amount);
+  double withdraw (Client &x, const double amount);
+  double getCurrent (const Client &x);
+  bool hire (Employee &x);
+  bool fire (Employee &x);
+  bool openAccount (Client &x);
+  bool newCredit (const std::string id, const double amount,
+                  const int installments, const int days,
+                  const float interest); // interest is additional interest on
+                                         // top of Gov rate.
+  double payInstallment (const int index);
+  void countEmployees ();
+  void listClients ();
+
+private:
+  const int CLIENT_EMPLOYEE = 2; // Max number of clients to employees.
+  double current = 0;            // Total current accts. of clients.
+  double creditable = 0;         // Amount able to be loaned to clients.
+  double credited = 0;           // Amount loaned.
+  struct creditRecord
+  {
+    time_t start;
+    long interval; // Interval of payments in number of seconds.
+    double amount;
+    int installments;
+    float interest;
+  };
+  struct clientRecord
+  {
+    std::string id;
+    double current = 0;
+    std::vector<creditRecord> loans;
+  };
+  std::vector<clientRecord> clients;
+  std::vector<Employee *> employees;
+};
+
+class Employee
+{
+  friend class Bank;
+
+public:
+  std::string name;
+  Employee (std::string x) : name (x){};
+
+private:
+  Bank *employer = nullptr;
+};
+
+class Client
+{
+  friend class Bank;
+
+public:
+  std::string id;
+  Client (std::string x) : id (x), underMattress (0){};
+  double earn (const double amount); // Earn money.
+  double getMattress ();
+
+private:
+  double underMattress;
+  std::vector<Bank *> accounts;
+};