(b) On the U.S. side, which two economic factors were considered in the FRB's decision to keep its benchmark- interest rate at or near 0 - 0.25%? Describe each factor; including each factor's impact (positive or negative) on commercial banks and the U.S. economy during 2020. (note: the corresponding ref. in the read/review list). Prompt (b) should include at least one (1) quote from the Federal Reserve Bank Press Release, March 2020 or Brookings Report of Jan. 2024