In the early 1970's, home mortgage lenders were predominantly depository institutions. By the end of the decade, the growth of deposits at these institutions became negative due to the emergence of more attractive investment opportunities such as money market funds. This change in the distribution chain of funds is more commonly referred to as:

A. Deregulation
B. Disintermediation
C. Warehousing
D. Underwriting

In a sense we’ve come to our nation’s capital to cash a check. when the architects of our republic wrote the magnificent words of the constitution and the declaration of independence, they were signing a promissory note to which every american was to fall heir. this note was a promise that all men—yes, black men as well as white men—would be guaranteed the unalienable rights of life, liberty, and the pursuit of happiness. it is obvious today that america has defaulted on this promissory note insofar as her citizens of color are concerned. instead of honoring this sacred obligation, america has given the negro people a bad check, a check that has come back marked “insufficient funds.” but we refuse to believe that the bank of justice is bankrupt. we refuse to believe that there are insufficient funds in the great vaults of opportunity of this nation. and so we’ve come to cash this check, a check that will give us upon demand the riches of freedom and security of justice. in this section of the speech, analyze martin luther king’s connection between a defaulted promissory note and the lack of freedom experienced by african americans. which option offers the best analysis? question 3 options: a.mlk creates this analogy to communicate that america has enough freedom for all, but it needs to live up to its promises. b. mlk makes the analogy that america has run out of freedom. not everyone deserves to have it. c.mlk communicates that america should equally distribute funds to all citizens. everyone deserves equal access to the government’s money. d.mlk demonstrates that america is improving in equality and should keep the forward momentum.

When comparing the northern and southern hemisphere, why are the peak maximum and minimum values of insolation at different times of the year? specifically, why is the peak max of incoming solar radiation in june for the northern hemisphere, but in december for the southern hemisphere? pick the best, most complete answer. because of variations in the incident angle of solar radiation, due to the tilt of earth's axis, the northern hemisphere receives more direct solar radiation in june while the southern hemisphere receives less direct solar radiation. the reverse is true in december. because of earth's tilt, as the earth progresses in its revolution around the sun, the northern hemisphere is relatively closer to the sun in june while the southern hemisphere is relatively farther from the sun. the reverse is true in december. because of earth's elliptical orbit, the northern hemisphere is relatively closer to the sun in june/july while the southern hemisphere is relatively farther from the sun. the reverse is true in december. because of variations in the incident angle of solar radiation and the length of day, due to the tilt of earth's axis, the northern hemisphere receives more direct solar radiation and has longer daylight hours in june while the southern hemisphere receives less direct solar radiation and shorter daylight hours. the reverse is true in december.

At these trading houses we have kept prices low. we have driven out private traders and those who would make the indians suspicious and fearful of us. in doing so, we have earned the good will of the indians. a letter enclosed shows the effect of this. the indians see the advantage of purchasing from us and request that we establish trading houses among them. in one area this is particularly interesting. the congress must know how much we want to control a large stretch of land on the mississippi river. this would allow us to present as strong of a defense on that side of our territory as on our eastern border. we already control what is below the yazoo river. however, the country between the yazoo river and the ohio river belongs to the chickasaw indians. this tribe refuses to sell its land, but they have recently shown a desire to begin farming. this leads to buying goods and comforts. if we grant these desires, we may be able to secure land on the mississippi. now that trade is expanding among the indian tribes, congress may wish to point our citizens in another direction. the missouri river is not well known to us. it crosses a mild climate and offers a route from the western ocean to the atlantic. an intelligent officer and a team of men might explore the whole route of the river to the western ocean. they could speak with natives, find opportunities for our traders, and return with information after two summers. their arms, tools and gifts for the indians would be the primary costs of the expedition. it would benefit our nation to explore this territory because it offers the only easy way to travel across the continent. the interests of trade give congress the power to approve this expedition. learning more about the geography of our continent is another reason to make this voyage. $2,500 is requested for the purpose of extending trade across the united states. this sum will cover the entire undertaking. what did thomas jefferson suggest congress do in response to the native americans?