The baffles are vertical walls of fabric between the top and bottom of the comforter

The white goose featherbed provides a deeper, more restfulnight's sleep by gently cushioning pressure points like your shoulders andhips. Your muscles relax and your circulation improves. This feather bed has aclosed baffle box design so that the feathers retain maximum thickness and arecontained within a small area and can't shift around the feather bed. The baffles are vertical walls of fabric between the top and bottom of Anti-Static Fiberglass board  the comforter. 

The ultimatefeatherbed with a top layer of 550 fill power white goose down for theloftiest, softest feel. Bottom layer has 95% white goose feather 5% white goosedown for extra loft, 230-thread count 100% cotton cover. Gusseted sides.There's nothing like it on earth - it's like sleeping on a cloud! A Pacific Coast feather bed is a 100% cottonfabric filled with feathers. When used on top of your regular mattress, itmakes your bed more comfortable by cushioning and cradling your body.  Your muscles relax and your circulation improves. As yourbody settles in, the firmness and support of your regular mattress is enhancedby your feather bed to support your every curve and contour. Our Pacific CoastLuxury Baffled Box Feather Bed is filled with Allergy Free™ 95/5 Pacific Coast®feathers/Pacific Coast® down. The three-dimensional baffle boxes maintain evenfeather distribution while its premium 230 thread count, 100% cotton cover iswoven thicker to help prevent feathers from leaking.  Hypoallergenic down-alternative version has a down-likemicrofiber on top and high-loft fiber fill below. Both feature cotton caseswith 230-thread-count cambric cotton tops and a no-shift Euro-box design.Protect the longevity of your featherbed with our 200-thread-count twill-weavecotton cover. Finished in Italywith 100% anti-microbial, anti-dustmite and anti-bacterial growth protection,it keeps your featherbed fresh and clean day after day.Over time the regional banks have relinquished power to the Board of Governors. Not only can the Board review and disapprove the banks' discount rates, thereby causing the district banks to change their discount rates to satisfy the Board, but the Board also appoints the top officers of each district bank and determines their salaries.Nonetheless through their periodic representation on the Federal Open Market Committee otherwise known as the FOMC maintains memberships while the Federal Reserve Bank of New York has a permanent representative, Federal Reserve bank residents help establish monetary policy that determines the best forex trading regions.All of this breaks down to the member banks. Member banks include all nationally chartered commercial banks, plus approximately 17% of all state chartered commercial banks which joined the Fed voluntarily. Member banks buy stock in their regional Federal Reserve banks and help elect the regional bank's board of directors. The stock that member banks own does pay a modest 6% dividend, but does not carry the traditional powers of ownership such as sharing any profits and voting on important management decisions.