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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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CREDIT UNIONS

Non-profit depository financial institutions that were originally established to provide members of a specific group, such as employees of a company, with low-cost personal loans higher interest on deposits than available through traditional banks. Credit unions are chartered and regulated by the National Credit Union Administration. While credit unions are not "officially" chartered as banks, similar to other thrift institutions (savings and loan associations and mutual savings banks) they do function comparable to any traditional bank, offering a wide range of deposits, loans, and other financial services.

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APLS

ORANGE REBELOON
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Today, you are likely to spend a great deal of time searching the newspaper want ads looking to buy either arch supports for your shoes or an AC adapter that works with your MPG player. Be on the lookout for attractive cable television service repair people.
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Approximately three-fourths of the U.S. paper currency in circular contains traces of cocaine.
"The difference between the impossible and the possible lies in a person's determination. "

-- Tommy Lasorda

JPUBE
Journal of Public Economics
A PEDestrian's Guide
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