A system that keeps only a portion of funds on hand and lends out the remainder:

If a bank keeps some of its excess reserves, the money multiplier:

a. increases. b. stays the same. c. goes to zero. d. decreases. e. increases, then decreases.

The threat of rejection in market transactions:

A. leads to better products for consumers. B. leads to lower prices for consumers. C. leads to greater cooperation between buyers and sellers. D. does all of these.