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6. It is illegal for banks to charge higher interest rates for loans than they pay depositors.
a. True
b. False
ANSWER: False
POINTS: 1
LEARNING OBJECTIVES: BNKG.CFFT.3.LO: 1.3.1 - LO: 1.3.1
7. Generally speaking, banks offer customers fewer services today than they did 20 years ago.
a. True
Copyright Cengage Learning. Powered by Cognero. Page 1
10. A loan company is not a financial intermediary because it does not receive deposits.
a. True
b. False
ANSWER: False
POINTS: 1
LEARNING OBJECTIVES: BNKG.CFFT.3.LO: 1.4.2 - LO: 1.4.2
13. Banks that manage, regulate, and protect both the money supply and other banks are
a. retail banks.
Copyright Cengage Learning. Powered by Cognero. Page 2
Name: Class: Date:
16. In the United States, banks and ____________________ work together to form the banking system and to ensure the
money supply is adequate, appropriate, and trustworthy.
a. consumers
b. industry
c. savings and loans
d. the government
ANSWER: d
POINTS: 1
LEARNING OBJECTIVES: BNKG.CFFT.3.LO: 1.2.2 - LO: 1.2.2
17. The difference between what a bank pays in interest and what it receives in interest is called
a. profit.
b. spread.
c. gross interest income.
d. loss.
ANSWER: b
POINTS: 1
LEARNING OBJECTIVES: BNKG.CFFT.3.LO: 1.3.1 - LO: 1.3.1
Copyright Cengage Learning. Powered by Cognero. Page 3
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you’re the whitest bunch that I ever traveled with—all but Nat Silmore and
his pair of black sheep.”
The last night came, and the camp paraphernalia was pretty well packed
up. Mr. Bartlett had made arrangements for the wagons to be on hand early
on the following morning to haul the camp material down to the railroad,
where it could be put aboard the same train which Mr. Holwell had taken,
coming along about ten o’clock.
Although they had certainly had a wonderfully fine time of it,
apparently nobody seemed sorry because they were about to start back to
Cliffwood. Home yearnings had commenced to be felt of late, and some of
the boys could hardly wait for the dawn to break. Indeed, the last night in
camp promised to be about as sleepless as the first had been, judging from
their excitement.
All through their stay keen rivalry had continued between those who
were entered for the various prizes. The result would not be known until
Mr. Bartlett and the physical director could have a chance to count up the
scores and announce results. This, of course, served to keep the interest of
the contestants at fever heat.
There was also the interest in the plan aided and abetted by Mr. Bartlett,
who contributed liberally toward raising a certain sum. This was presented
to the genial cook, whose good nature had endured through the entire
stretch of camp life.
Mr. Bartlett made the presentation, heartily applauded by the boys.
“Here’s ten dollars we’ve chipped in, Sunny Jim,” he said to the
astonished cook, whose eyes danced with pleasure. “We want you to buy
the best watch you can find in Cliffwood for the money. Every time you
look at it think of Camp Russabaga. And I voice the sentiments of every
boy here when I say we hope to have you cook for us again next summer.
Give Jim three cheers, lads, for he deserves well of us.”
That was one of the proudest moments of Sunny Jim’s life, though he
had lost his voice apparently, so that he could only stand, nod his woolly
head violently and grin.
We shall hope to meet Dick and his many friends again in the pages of
another volume. That the seed of his prophecy regarding the brightening of
Cliffwood’s skies in the matter of athletic sports among the younger
element was not doomed to fall by the roadside, or among thorns that would
choke it, can be guessed from the title of our next book, which will be
called “The Y. M. C. A. Boys at Football; Or, Lively Doings On and Off the
Gridiron.”
All of the lads were up before daylight on the last morning on Bass
Island. The tents came down and were hastily packed, while breakfast was
being prepared. Indeed, a trip across with both boats had been made before
the campers sat down to the morning meal.
“It’s our last breakfast on Bass Island, boys,” said Mr. Bartlett, looking
around at the circle of eager faces; “and if I know what I’m talking about
we’ll all remember for many a day the great times we’ve had up here. We
hope we shall have good luck in developing and printing the pictures,
because they’ll illustrate our story about the gorilla. And last, but not least,
we’re glad to know that little Josh Jones is well on the road to recovery.
When we get all the stuff over to the mainland we’ll stand around and give
dear old Bass Island one last jolly cheer. Then it’s home for us. Now hurry
and finish, for we ought to start before long.”
With this last glimpse of the Y. M. C. A. Boys we will draw the curtain
and say good-bye.
THE END
THE Y. M. C. A. BOYS SERIES
By BROOKS HENDERLEY
12mo. Cloth. Illustrated. Price per volume, 60 cents, postpaid.
Telling how the boys of Cliffwood were a wild set and how, on
Hallowe’en, they turned the home town topsy-turvy. This led to an
organization of a boys’ department in the local Y. M. C. A. When the
lads realized what was being done for them, they joined in the
movement with vigor and did all they could to help the good cause.
To raise funds they gave a minstrel show and other entertainments,
and a number of them did their best to win a gold medal offered by a
local minister who was greatly interested in the work of upbuilding
youthful character.
In this tale the scene is shifted to the seashore, where the boys
are having a vacation for the summer. Encouraged by the
temperance work done in their home town, they join a local crusade
to close the various drinking and gambling houses. They fall in with
another lad, the son of a well-known drunkard of the summer resort,
and do all they can to aid him. A good, clean-cut boys’ story, full of
life and action, not at all preachy, but teaching the best of morals.
By CLARENCE YOUNG
12mo. Illustrated. Price per volume, 60 cents, postpaid.
Fresh from their adventures in their automobile, their motor boat and
their airship, the youths are sent to college to complete their interrupted
education. Some boys at the institution of learning have heard much about
our heroes, and so conclude that the Motor Boys will try to run everything
to suit themselves.
A plot is formed to keep our heroes entirely in the background and not
let them participate in athletics and other contests. How the Motor Boys
forged to the front and made warm friends of their rivals makes unusually
interesting reading.
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