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accounts adjustment aggregate demand analysis assets average Bank of England Bank of San beta billion borrowed reserves British banking building societies capacity utilization capacity utilization rate capital cash flows ceilings Chart clearing banks coefficient competition correlation costs counties or RMAs debt decline deficit deposit accounts deposit markets deposit rates depositors deregulation dollar effect entry Equation equilibrium error errors-in-variables model estimated expected F-Statistics federal funds rate Federal Reserve Bank forecast foreign GNP growth rate impact income increase inflation rate institutions labor lagged lending long-run marginal measure ment MMDA deposits money funds money market mortgage Okun's Law operating procedure output percent percentage points period portfolio ratio real exchange rate real GNP real interest rates regulation relative risk sample savings and loans shift short-run significant simulation statistically Super supply Table tax rate thrifts tion U.S. Dollar unchanged fiscal policy unemployment rate zero