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aggregate demand curve balance sheet bank holding companies bank notes bank's banking system banks and thrift billion borrowing capital cash certificates changes Chapter checkable deposits checks coins commercial banks commercial paper consumer corporate Dartmouth National Bank demand deposits deposit accounts depositors discount rate dollars economy equilibrium Eurodollar excess reserves Exhibit expand federal funds Federal Reserve banks Federal Reserve notes Federal Reserve System firms gold growth increase investment investors issued liabilities liquid assets market mutual funds maturity medium of exchange monetary policy money demand money market mutual money stock money supply mortgages municipal bonds national income nominal interest rate open market operations paper money percent price level purchase rate of interest real output regulation repurchase agreements required reserve reserve deposits reserve ratios reserve requirements rise savings deposits sell shift short-term shows silver T-Account taxes thrift institutions transactions types U.S. government securities U.S. Treasury yield curve