d. A debenture. 26-The banking laws made it possible for banks to receive federal charters and provided a basis for national a. Glass Steagall Act b. National Banking Act c. Garn-Saint Germain Act d. Federal Reserve Act 27-Functions of the monctary system include all of the following except a. Creating money b. Transferring money c. Accumulating savings d. Lending and investing savings e. All of the above are included as functions of a monetary system accept the savings of individuals and lend pooled savings to individuals primarily in the form of 28- mortgage loans and operate almost entirely in New England, New York, and New Jersey, with most of their assets continuing to be invested in mortgage loans. a. Commercial banks b. Thrift institutions c. Savings banks d. Credit unions e. None of the above 29-Th a. Interest rate b. Yield curve c. Term structure d. Cash price e basic price that equates the demand for and supply of loanable funds in the financial markets is the e. None of the above