FINANCIAL REGULATION - COMPANION FILES
julianrsterling.com/buffer

Free. No sign-up, no email address. Nothing is locked, protected or watermarked.
Revised 24 September 2026.

Optional: to get an email if these files are ever corrected, join the reader list at
https://julianrsterling-readers.subscribepage.io/
(run by MailerLite, off the site; nothing in this archive needs it).

WHAT IS IN THE ARCHIVE

1. The book's four workbooks, corrected
   The_Risk_Weight_Engine.xlsx          Chapters 2 to 6
   The_Capital_Stack.xlsx               Chapters 7 to 10
   The_Two_Liquidity_Ratios.xlsx        Chapters 11 to 15
   Resolution_and_Concentration.xlsx    Chapters 16 to 18
   00_START_HERE.md                     what changed is at the end
   Each workbook closes on a Checks sheet: 203 checks in all, every one PASS.

2. Blank_Model_Set/  (new)
   The four workbooks with the 233 inputs of their shared Inputs sheet
   emptied, for your own bank. Each Checks sheet counts what is still
   missing and tests what holds for any inputs. The book's figures are in
   book_inputs.txt: type them back in and the book's results come back.

3. Working_Documents.pdf  (new)
   Thirteen printable pages: the seven questions for somebody else's
   capital plan, the loan split band by band, the two ladders, the output
   floor calendar, the three compartments, the countercyclical buffer
   country by country, the distribution trigger and the two headrooms,
   leverage and the switch, the liquidity buffer after encumbrance, stable
   funding and the band of readings, the two costs of each asset, the
   convention register, and the constraint that actually binds on one page.
   A4, fits Letter.

4. Forty_Questions.xlsx  (new)
   Forty questions across the book, marked by the file as you type.

5. Cases/  (new)
   Case_1_The_Floor_Lands_On_Resolution.xlsx    Chapters 6, 9 and 16
   Case_2_The_Buffer_Released.xlsx              Chapters 8, 16 and 17
   Case_3_Closing_The_1956_Million.xlsx         Chapters 13, 14 and 16
   Each case: the note on the first sheet, the model after it, checks at the end.

The files open in Excel, LibreOffice Calc, Google Sheets and Numbers. No macros.
