The (the interest rate banks charge each other on overnight loans) is highly sensitive to money market factors and well exemplifies the interaction of supply and demand for banking funds..

Federal funds rate

Explanation:

By law, banks are meant to have a reserve relative to a percentage of deposits but when the bank cannot meet its financial obligations, it borrows from the federal reserve.

The federal funds rate is the interest rate that a bank charges another bank or banks when it lend money to those banks from its reserves when it gives an overnight loan.

Cheers.

answer: nobody

explanation:

ans.

heterothermic organisms include those organisms that can switch between homeothermic (having body temperature higher than environment) and poikilothermic (having variation in internal body temperature) strategies.

some migratory birds show heterothermy as they decrease their metabolic rate during cold nights to keep their body temperature low. drop in metabolic rate allows increase in production efficiency of birds that reduces the internal body temperature to make it equal to external cold temperature during cold nights.

thus, the correct answer is 'birds allow their temperature drop in order to increase their production efficiency.'