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When a bank has no excess reserves, and thus can make no more loans, it is said to be
Caregivers
Individuals who provide care and support to someone with health-related needs or disabilities, often a family member or a professional service provider.
Children
Young human beings who are not yet adults, typically considered to be persons under the age of 18.
Terrific Two's
A term reflecting a positive perspective on the developmental stage of two-year-olds, emphasizing growth and learning despite challenges like tantrums.
Terrible Two's
A phase typically occurring around the age of two, characterized by mood swings, temper tantrums, and challenging behavior, as toddlers begin to seek independence.
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