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29. In general, commercial banks receive their higher interest rates from a. Service charges on demand deposits. O b. Loans that have a greater degree of risk. O c. The federal funds market. O d. Foreclosures. O e. Capital gains in the stock market. 30. The Federal Reserve System O a. Is directly controlled by Congress O b. Controls the minting of coins. O c. Includes by law all of this country's financial institutions. O d. Is an outgrowth of the Bank of the U.S O e. Was established by Congress in 1913 after a severe financial panic six years earlier