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i didn't understand these questions - describe what the U.S. federal funds rate is, and how it is related to the 90 day commercial bank

i didn't understand these questions

- describe what the U.S. federal funds rate is, and how it is related to the 90 day commercial bank rate.

-Explain with reference to the government budget or monetary policy what it means to adopt a time-inconsistent policy.

-What does it mean for cash to be legal tender? Are bank deposits legal tender, and if not why not?

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