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In general,money is a more effective motivational tool for Generation Y workers than Mature or Baby Boomer workers.
Actual Reserves
The amount of funds that a bank has on hand and available to lend, beyond its reserve requirements.
Required Reserves
The minimum amount of funds a bank must hold in reserve against deposit liabilities, as mandated by regulatory authorities.
Required Reserve Ratio
The fraction of deposits that banks are required to keep on hand and not loan out, used by central banks to control the amount of money in circulation.
Legal Reserves
Reserves that depository institutions are allowed by law to claim as reserves; vault cash and deposits held at Federal Reserve district banks.
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