Which of the following is not one of the competitive forces?

People are drawn toward energizers because _____

a. they feel more engaged, motivated, and positive when they are around them b. they feel they have meaningful goals in common c. they are hopeful that they can make a difference d. all of the above

Which of the following do banks hold as insurance against the high cost of deposit outflows?

A) Excess reserves B) Secondary reserves C) Bank equity capital D) All of the above E) Only A and B of the above