What are the two major functional groups in lactic acid? 
Definitions:
Reserve Ratio
The fraction of depositors' balances that banks must have on hand as cash, determined by the central bank to control money supply.
Checking Deposits
Funds kept in a checking account at a financial institution, allowing for frequent withdrawals and deposits.
Deposit Expansion Multiplier
A ratio that determines the maximum amount by which the money supply can increase through the banking system's process of lending out deposits.
Required Reserve Ratio
A regulation that sets the minimum reserves each bank must hold to customer deposits and notes, effectively the same concept as the reserve-requirement ratio but stated differently.
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