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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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UTILITARIANISM

A philosophical view that the value or worth of an action depends on the amount of pleasure it generates or the amount of pain it prevents, or in economic terms, the amount of utility generated. Utilitarianism, although dating back to the early Greek philosophers, is largely attributable to the work of Jeremy Bentham and John Stuart Mill. This philosophy played a major role in the development of modern consumer demand theory and utility analysis.

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Today, you are likely to spend a great deal of time searching for a specialty store looking to buy either a hepa filter for your furnace or a wall poster commemorating next Thursday. Be on the lookout for mail order catalogs with hidden messages.
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Sixty percent of big-firm executives said the cover letter is as important or more important than the resume itself when you're looking for a new job
"Nobody can be successful unless he loves his work. "

-- David Sarnoff, TV pioneer

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