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Assume that individuals do not hold currency . The money multiplier is equal to:
Hand Hygiene
The practice of washing hands with soap and water or using a hand sanitizer to remove germs, dirt, and other contaminants.
Alcohol-based Solutions
Disinfectants that use alcohol as the primary ingredient, effective in killing bacteria and viruses on surfaces and skin.
Bacterial Spores
Durable, dormant forms of bacteria that can survive harsh conditions, becoming active and reproducing when conditions improve.
Yeasts
A fungi group used in baking and brewing due to their ability to ferment sugars.
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