Thalia suffers from insomnia. she tries everything, and she finally develops the habit of counting backwards when she wants to sleep but can't. thalia finds that she falls asleep much easier once she starts counting backwards, so she continues to do so. theory suggests that she continues this habit because it results in homeostasis.

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.