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After late adolescence, improvements in intellect are based on all of the following EXCEPT
Required Reserves
Required Reserves refer to the minimum reserve of cash that banks must hold either in their vaults or on deposit with the central bank, as mandated by financial regulations.
Total Reserves
The sum of a bank's deposits held in the central bank plus its cash on hand, serving as a buffer against potential withdrawals.
Lend Reserves
The practice by financial institutions of providing loans out of their reserves, often influencing the money supply in the economy.
Money Supply
All monetary resources that are accessible in an economy at a particular timeframe, including but not limited to cash, coins, and the deposits in checking and savings accounts.
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