If You Want to Talk to a Therapist to Learn

question 10

Multiple Choice

If you want to talk to a therapist to learn how you could improve your relationship with your mother, you could visit www.here2listen.com, an online counseling service that is available 24-hours a day. In spite of the web site advertising that Internet counseling is the best for time-starved America, is immediate, and is focused, the counseling service is mostly used between 6 p.m. and midnight on weekdays. Although this is a web-based business, it still must deal with the _____ characteristic of services.

• A) tangibility
• B) time and place utilization
• C) homogeneity
• D) perishability and fluctuating demand

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Definitions:

Bank Insolvency

A situation where a bank's liabilities exceed its assets, making it unable to meet its obligations and continue its operations.

Excess Reserves

Banks' reserves that exceed the minimum requirement set by a central bank, not lent out and often kept for emergency purposes.

Reserve Requirement

The minimum amount of reserves that banks must hold against deposits, as mandated by central banks.

Fractional Reserve

A banking system in which only a fraction of bank deposits are backed by actual cash on hand, with the rest being available for loans.