A risky small business stands the best chance of finding external financing from

The Second National Bank of Townville has $400,000 in checking deposits, $125,000 in savings deposits, $500,000 in loans, $20,000 in its reserve account at the Fed, and $5,000 of currency in its vault

What is the amount of these assets and liabilities that is in M1?

Which of the following would encourage consumers to economize on health-care expenditures and producers to supply health-care services more efficiently?

a. an increase in out-of-pocket expenditures by health-care consumers b. decreased reliance on personal Medical Savings Accounts and health-care expenditures from the accounts c. decreased reliance on the purchase of catastrophic health insurance coverage and less reliance on insurance with first-dollar coverage and small co-payments d. the establishment of a national health-care system that would provide coverage to all people