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January 23, 2026 

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AGGLOMERATION ECONOMIES: A reduction in production cost the results when related firms locate near one another. Firms can be related as competitors in the same industry, by using the same inputs, or through providing output to the same demographic group. The fashion industry, for example, experiences agglomeration economies because they can share specialized inputs (photographers, models) that would be too expensive to employ full time. Retail stores have agglomeration economies when located in shopping malls because they have access to a large group of potential customers with lower advertising cost. Agglomeration economies is given as one of the primary reasons for the emergence of urban areas.

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BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM

The governing, policy making body of the Federal Reserve System, consisting of 7 members, one of whom serves as the Chairman and another as Vice Chairman. The Board of Governors sets the general course of Federal Reserve policy, including the regulation of the commercial banking system. The 7 Governors also form of the core of the Federal Open Market Committee which is responsible for monetary policy. The Chairman of the Board of Governors of the Federal Reserve System is one of the most important and powerful positions in the economy.

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Today, you are likely to spend a great deal of time searching for rummage sales trying to buy either an extra large beach blanket or a large flower pot shaped like a Greek urn. Be on the lookout for attractive cable television service repair people.
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The first paper notes printed in the United States were in denominations of 1 cent, 5 cents, 25 cents, and 50 cents.
"Lead the life that will make you kindly and friendly to everyone about you, and you will be surprised what a happy life you will lead."

-- Charles M. Schwab

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