How would you expect each of the following to affect the economy wide demand and supply for money? Explain using diagrams.

a. Grocery stores begin to accept debit cards as a method of payment.

b. Financial investors become concerned about increasing riskiness of stocks.

c. Reserve bank decreases reserve-deposit ratio.

d. Banks become risk-averse due to higher rate of default on their loans.

e. Employers start to pay salaries monthly instead of fortnightly.