Possible Clues:

• Layer above bedrock
• Fuel reserves first found just beneath the surface
• Lends money to get fuel that's just below the ground
• Fuel for warship that may be dug up down under
• It's used to cultivate press employees and what they burn at midnight?
• Reserves fuel - it's found under the bed
• Underground layer
• Lends money to fuel Underground feature
• Regular payments on fossil fuel -- it's found under ground
• Replaces black gold -- substance found just below the surface