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James Popped into the Drug Store to Pick Up Some

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James popped into the drug store to pick up some aspirin, but on seeing his favourite deodourant was on special he purchased it as well. This decision is described as the
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Definitions:

Credit Needs

The requirement for borrowing funds to finance purchases, investments, or to bridge gaps in cash flow.

Security Needs

The requirement to protect a nation, organization, or individual from various threats, including cyber attacks, terrorism, and theft.

Required Reserve Ratio

The ratio of reserves to deposits that banks are obligated by regulation to hold.

Excess Reserves

Bank reserves exceeding required reserves

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