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Employers are trying to control benefit costs in various ways.
Individual Bank
A single banking institution that operates to accept deposits, offer loans, and provide other financial services to its customers.
Deposits
Money placed into a financial institution for safekeeping, which can earn interest over time.
Excess Reserves
The amount of reserve funds that a bank holds beyond what is required by regulations, which can be loaned out or invested.
Actual Reserves
The sum of money a bank holds in its vault or with the central bank, ready to satisfy withdrawal requests or comply with regulatory obligations.
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