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LEGAL RESERVES: The total amount of vault cash or Federal Reserve deposits of a bank. These are the only bank assets that can be used legally to satisfy reserve requirements.

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GOVERNMENT BORROWING

The acquisition of funds through the financial markets by the government sector which are used to finance government expenditures. In terms of the simple circular flow model, this is one of two basic demands for household saving diverted into financial markets. The other is investment borrowing. Government borrowing is also one of two methods of financing government expenditures. The other is taxes.

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BLUE PLACIDOLA
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Today, you are likely to spend a great deal of time lost in your local discount super center seeking to buy either a half-dozen helium filled balloons or a packet of address labels large enough for addresses of both the sender and the recipient. Be on the lookout for a thesaurus filled with typos.
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The 1909 Lincoln penny was the first U.S. coin with the likeness of a U.S. President.
"The way employees treat customers reflects the manner in which they're treated by management. "

-- James Perkins, president, Cornell University

EFTS
Electronic Fund Transfer Systems
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