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RESERVES: The vault cash and deposits at the Federal Reserve System that banks use to complete day-to-day transactions.

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OPPORTUNITY COST

The highest valued alternative foregone in the pursuit of an activity. Opportunity cost is a one of the most fundamental concepts used in the study of economics. An opportunity cost can be either explicit, usually involving a monetary payment, or implicit, which does not involve a transaction. Opportunity cost is also commonly termed economic cost.

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Today, you are likely to spend a great deal of time touring the new suburban shopping complex seeking to buy either throw pillows for your living room sofa or a hepa filter for your furnace. Be on the lookout for defective microphones.
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A thousand years before metal coins were developed, clay tablet "checks" were used as money by the Babylonians.
"Nothing is a waste of time if you use the experience wisely. "

-- Auguste Rodin, Sculptor

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