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Suppose You Study a Group of Working-Class, Dual-Income Couples Who

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Suppose you study a group of working-class, dual-income couples who have just had a baby. In all of these families, one of the parents agrees to work "off-shift" in hours different from the traditional 8-to-5 workday. Generalizing from research described in the text, in the first year of your study, you would expect to see that the off-shift work was especially difficult for _______ and in the third year of your study, you would expect to observe that off-shift work was especially difficult for ___________.


Definitions:

Banking System

The network of banks and financial institutions that provide financial services to consumers, businesses, and other banks.

Reserve Ratio

The fraction of deposits that a bank must hold in reserve and not lend out, as required by monetary authorities.

Reserve Ratio

The fraction of depositors' balances that banks must have on hand as cash, a requirement determined by the central bank.

Money Multiplier

The mechanism by which the base money supply is expanded through the banking system's ability to lend and create deposits.

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