Emilia was a careless, pampered adult. Her life took a complete turn after she became a mother. Responsibility came naturally to her, and she began to enjoy taking care of her baby round the clock. The dramatic change in Emilia's behavior is an example of .

Gif the public and community loses trust in banks it affects the entire u.s. financial system. in order to keep this type of financial contagion from happening, the fed makes as needed short-term emergency loans, by acting as the lender of last resort. guides and regulates private deposit insurance programs to cover insolvent bank losses. decreases the money supply as acting lender of last resort.