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COLLECTIVE BARGAINING: The negotiation process between a union and the company that employs the union's members -- usually going by the moniker of management. The purpose of collective bargaining is to find mutual agreement on wages, fringe benefits, workhours, promotion criteria, grievance procedures, and everything else that has to do with employment. The end result of this process is a collective bargaining agreement, which is a formal contract between management and the union. A negotiation process that breaks down without reaching an agreement might lead to a strike, lockout, or mediation.

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BANK PANIC

An economy-wide problem in the financial sector and the banking industry that triggers an economy-wide business-cycle contraction or even depression. Bank panics were common throughout the 1800s and early 1900s, during which time they where the primary cause of business-cycle downturns. Bank panics usually involved bank runs that spread from bank to bank throughout the economy.

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Today, you are likely to spend a great deal of time at a garage sale wanting to buy either a blue mechanical pencil or super soft, super cuddly, stuffed animals. Be on the lookout for high interest rates.
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The first U.S. fire insurance company was established by Benjamin Franklin in 1752 in Philadelphia.
"When we do the best that we can, we never know what miracle is wrought in our life, or in the life of another."

-- Helen Keller

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