In Money and Banking by Robert E. Wright, which of the following is NOT listed as a lender: Question 19 options:

1)

Businesses

2)

Foreigners with excess funds

3)

Domestic households

4)

Governments

5)

Students

Traditionally, what are commercial banks specialized with? Question 20 options:

1)

Issuing time or savings deposits and mortgage loans to households and businesses

2)

Issuing demand, transaction, or checking deposits and making loans to businesses

3)

Issuing time deposits and consumer loans

4)

Issuing contracts or policies that mature for spreading and sharing risks

5)

Issuing pension and government retirement funds