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occur when an ungrounded "hot" conductor comes in contact with a grounded surface or grounded equipment.
Federal Reserve District Bank
One of the 12 regional banks in the Federal Reserve System, operating under the supervision of the Federal Reserve Board, and helping to implement monetary policy.
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.
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