solana/book/art/spv-bank-merkle.bob

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+------------+
| Bank-Merkle|
+------------+
^ ^
/ \
+-----------------+ +-------------+
| Bank-Diff-Merkle| | Block-Merkle|
+-----------------+ +-------------+
^ ^
/ \
+------+ +--------------------------+
| Hash | | Previous Bank-Diff-Merkle|
+------+ +--------------------------+
^ ^
/ \
+---------------+ +---------------+
| Hash(Account1)| | Hash(Account2)|
+---------------+ +---------------+