Figure 12.43 
-According to Figure 12.43 when did the Rocky Mountains form?
Definitions:
Medium of Exchange
This refers to an item that is widely accepted in exchange for goods and services, facilitating trade by averting the inefficiencies of a pure barter system.
Fractional Reserve Banking
A banking system where banks hold a fraction of deposits as reserves and use the rest for lending purposes.
Total Deposits
The sum of all money deposited in a bank by its customers.
Total Reserves
The sum of a bank's deposits held in reserve at a central bank plus its cash on hand, used to satisfy demand for withdrawals or to meet regulatory requirements.
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