In the United States, most people's wealth comes from

Through collective bargaining,

a. representatives of an employer negotiate with the rank and file of the union membership b. union and nonunion members combine forces in negotiation c. craft and industrial unions combine forces in negotiation d. contracts are worked out between representatives of the union and employer representatives e. union workers must accept contracts negotiated by their representatives

Which of the following statements is correct?

A. The Federal funds rate is derived based on the prime rate B. The Federal funds rate is the rate banks charge their most creditworthy customers C. The discount rate is the rate banks charge one another on overnight loans D. The prime rate involves longer, more risky loans than the Federal funds rate