diff --git a/book/src/SUMMARY.md b/book/src/SUMMARY.md
index 38b8cc8bc4..aef62463df 100644
--- a/book/src/SUMMARY.md
+++ b/book/src/SUMMARY.md
@@ -56,3 +56,4 @@
     - [References](ed_references.md)
   - [Leader-to-Validator Transition](leader-validator-transition.md)
   - [Cluster Test Framework](cluster-test-framework.md)
+  - [Testing Programs](testing-programs.md)
diff --git a/book/src/testing-programs.md b/book/src/testing-programs.md
new file mode 100644
index 0000000000..0541422da0
--- /dev/null
+++ b/book/src/testing-programs.md
@@ -0,0 +1,67 @@
+## Testing Programs
+
+Applications send transactions to a Solana cluster and query validators to
+confirm the transactions were processed and to check each transaction's result.
+When the cluster doesn't behave as anticipated, it could be for a number of
+reasons:
+
+* The program is buggy
+* The BPF loader rejected an unsafe program instruction
+* The transaction was too big
+* The transaction was invalid
+* The Runtime tried to execute the transaction when another one was accessing
+  the same account
+* The network dropped the transaction
+* The cluster rolled back the ledger
+* A validator responded to queries maliciously
+
+### The Transact Trait
+
+To troubleshoot, the application should retarget a lower-level component, where
+fewer errors are possible. Retargeting can be done with different
+implementations of the Transact trait.
+
+When Futures 0.3.0 is released, the Transact trait may look like this:
+
+```rust,ignore
+trait Transact {
+    async fn send_transactions(txs: &[Transaction]) -> Vec<Result<(), BankError>>;
+}
+```
+
+Users send transactions and asynchrounously await their results.
+
+### Transact with Clusters
+
+The highest level implementation targets a Solana cluster, which may be a
+deployed testnet or a local cluster running on a development machine.
+
+### Transact with a Fullnode
+
+Below the cluster level is a Fullnode implementation of Transact. At the
+Fullnode level, the application is still using sockets, but does not need be
+concerned with cluster dynamics such as leader rotation of rollback.
+
+### Transact with the TPU
+
+The next level is the TPU implementation of Transact. At the TPU level, the
+application sends transactions over Rust channels, where there can be no
+surprises from network queues or dropped packets. The TPU implements all
+"normal" transaction errors. It does signature verification, may report
+account-in-use errors, and otherwise results in the ledger, complete with proof
+of history hashes.
+
+### Transact with the Bank
+
+Below the TPU level is the Bank implementation. The Bank doesn't do signature
+verification or generate a ledger. The Bank is a convenient layer at which to
+test new on-chain programs. It allows developers to toggle between native
+program implementations and BPF-compiled variants.
+
+### Transact with the Runtime
+
+Below the Runtime level is the Runtime implementation. By statically linking
+the Runtime into a native program implementation, the developer gains the
+shortest possible edit-compile-run loop. Without any dynamic linking, stack
+traces include debug symbols and program errors are straightforward to
+troubleshoot.