According to the article "Not a Pretty Picture," what tends to occur in the three years following a crisis?

gold reserves shrink

public debt doubles

interest rates drop

inflation declines

Prior to World War II, credit was primarily used by the:

upper class

middle class

lower class

working class

Which of the following statements about electronic money is false?

it comes in greater varieties than traditional currencies

it is likely to become even more common in the future

it gives individuals more control over its creation and use

it makes the ties between customers and merchants more personalized