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November 6, 2026 

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BANKING: The industry consisting of financial intermediaries that maintain deposits (that is, the industry of banks). Banking is one of several financial industries, with insurance and stock trading two other notable examples. Firms that comprise the banking industry are traditional banks, savings and loan associations, credit unions, and mutual savings banks. Banking in modern economies is generally fractional-reserve banking, with banks acting as financial intermediaries and safekeepers of deposits.

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BROWN PRAGMATOX
Your compete MICRO*scope for today

You are the type of person who doesn't particular care how something looks as long as it works, as long as it does the job. Family and friends have given up asking you out for lunch because you never pick up the check. Today, you are likely to spend a great deal of time visiting every yard sale in a 30-mile radius hoping to buy either a wall poster commemorating the moon landing or storage boxes for your winter clothes. Be on the lookout for rusty deck screws. You should consider shopping at stores or businesses beginning with the letter O, but do not buy any products with a serial number or product code containing the number 891118. Your preferred shopping venue is thrift stores. Your special symbol is the comma (,).


Is this You?

As a Brown Pragmatox, you are down-to-earth and practical. You are hard working and industrious. You are frugal to the point that you might even refrain from making a purchase that you really, really need. Doing so often causes problems down the road. You definitely go with function over form and substance over style.


This isn't me! What am I?
AVERAGE TOTAL COST CURVE

A curve that graphically represents the relation between average total cost incurred by a firm in the short-run product of a good or service and the quantity produced. The average total cost curve is constructed to capture the relation between average total cost and the level of output, holding other variables, like technology and resource prices, constant. The average total cost curve is one of three average curves. The other two are average variable cost curve and average fixed cost curve. A related curve is the marginal cost curve.

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Stealing A Few Moments For CRIME

Like most consumers, workers, and taxpayers, I engage in market exchanges for a lot of stuff -- food, labor, shelter, entertainment, confectionery products. But as I wandered through the peaceful community of Shady Valley, U. S. of A., I entered a "market" that I would have rather avoided. That's right, as the title indicates, I exchange some crime. I was mugged -- relieved of several valuable possessions -- right in front of the Shady Valley police station. I did the selling and my mugger did the "buying." While my part in the exchange was involuntary, the mugger's part was quite voluntary. In fact, the perpetrator of this crime acted much like any consumer headed to Natural Ned's Nursery and Garden Center in search of a creeping juniper. Let's see why?
Tell me more...

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APLS

The standard "debt" notation I.O.U. does not mean "I owe you," but actually stands for "I owe unto..."
"There is no twilight zone of honesty in business. A thing is right or it's wrong. It's black or it's white. "

-- John F. Dodge, automaker

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