Which of the following is a term for account that the depositor has committed to leaving in the bank for a certain period in exchange for a higher rate of interest?

Sometimes banks tend to invest in risky stocks because the deposits of their customers are insured by the Federal Deposit Insurance Committee. This behavior is an example of ________

A) adverse selection B) moral hazard C) the paradox of thrift D) the free-rider problem

If the exchange rate falls from 120 yen per dollar to 100 yen per dollar, the dollar has ________ and the yen has ________

A) depreciated; appreciated B) appreciated; depreciated C) depreciated; depreciated D) appreciated; appreciated