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In the 19th century,when crop failures often led to bank runs,banks would make relatively fewer loans and hold relatively more excess reserves.By itself,these actions by the banks should have
Ethical Challenge
A situation where an individual or organization faces a decision requiring moral judgment, often between profit and societal good.
Co-Optation
A process by which a group absorbs and assimilates new elements, often to prevent them from becoming threats.
Cultural Appropriation
The adoption of elements of one culture by members of another culture, often without permission or understanding of the original cultural significance, leading to controversy and debate.
Cultural Normalization
The process through which certain practices, beliefs, or standards become accepted and integrated into everyday life, becoming seen as the norm within a culture.
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