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Federal Reserve
The central banking system of the United States, responsible for monetary policy, banking supervision, and financial services.
Personal Savings
Money that individuals set aside from their income, after consumption and taxation, for future use or investment.
Demographic Conditions
The statistical characteristics of populations, such as age, race, gender, and income, which affect consumer behavior and economic trends.
Birth Rate
The average number of live births per 1,000 people in a given population per year.
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