The figure below shows three demand curves for coffee. 
Which of the following would cause a shift in coffee demand from D1 to D3?
Definitions:
Financial Intermediaries
Institutions that act as middlemen in financial transactions, typically between savers and borrowers.
Commercial Banks
Financial institutions that offer a wide range of services to businesses and consumers, including deposit accounts, loans, and money transfers.
Minimum Balance
The smallest amount that must be maintained in a bank account to avoid penalties, such as service charges.
Check-Cashing Services
Financial services where checks can be cashed for a fee without needing a bank account.
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