The article discusses various aspects of financial services, including types, users, instruments, institutions, regulations, and economic foundations. It covers topics like money creation, Federal Reserve policies, interest rates, market prices, risks, yields, liquidity, trading markets, payment services, funds intermediation, and financial engineering. The main goal is to provide an overview of the modern financial system and how it operates in the year 2000. Key findings include the importance of financial instruments in creating services, the role of institutions in innovation, and the management of risks through derivatives and financial engineering.