Assume that you are a consumer/saver. As you save, you might invest money in stocks, or you might purchase bonds. These activities allow banks and other financial institutions to pool money together for lending out to firms. Speaking as a consumer and saver:

• In an environment of uncertainty, what might increase your willingness to spend money (consume) or alternatively to increase savings that you channel into the banking system or financial markets?
• In an environment of uncertainty, what might decrease your willingness to spend money (consume) or to increase savings that you channel into the banking system or financial markets?