Demand is created through meeting customer buying criteria, credit terms, awareness (promotion), and accessibility (distribution). according to the americas budget segment's customers, which of these products was the most competitive at the end of last year?

After the 2008 recession, the amount of reserves in the us banking system increased. because of federal reserve actions, required reserves increased from $44 billion to $60 billion. however, banks started holding more reserves than required. by january 2009, banks were holding $900 billion in excess reserves. the federal reserve started paying interest on the excess reserves that the banks held. what possible impact will these unused reserves have on the economy?