QUESTION 41 Which of the following represents a potential constraint on the ability of the banking system to "create money"? the unwillingness of people to keep deposits in banks the unwillingness of consumers, business and governments to borrow money that banks make available the unwillingness of banks to satisfy all credit demands O all of the above QUESTION 42 Which of the following monetary tools is used most frequently to alter reserves in the banking system? Changing the discount rate. The buying and selling of government securities on the open market O Altering the required reserve ratio O Changing corporate tax rates