1 ___________are funds that the bank keeps on hand that are not loaned out or invested in bonds. Certificates of deposit Reserves Time deposits Demand deposits 1 points QUESTION 2 If the unemployment rate is 9.5% and the inflation rate is 0.5%, the Fed will most likely: raise the IORB. lower the federal funds rate target. raise the reserve requirement. sell bonds. 1 points QUESTION 3 In macroeconomics, ___________________________ describes a situation in which two people each want to exchange some good or service that the other can provide. a medium of exchange a double coincidence of wants interrelated banking the usefulness of money