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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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UTILITY ANALYSIS

A subset of consumer demand theory that analysis consumer behavior and market demand using total utility and marginal utility. The key principle of utility analysis is the law of diminishing marginal utility, which offers an explanation for the law of demand and the negative slope of the demand curve.

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Today, you are likely to spend a great deal of time looking for the new strip mall out on the highway seeking to buy either a coffee cup commemorating the first day of spring or a printer that works with your stockpile of ink cartridges. Be on the lookout for infected paper cuts.
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A thousand years before metal coins were developed, clay tablet "checks" were used as money by the Babylonians.
"The moment you let avoiding failure become your motivator, you're down the path of inactivity. "

-- Roberto Goizueta, Coca-Cola CEO

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