Who sets the interest rates that a bank can charge?

In the U.S., interest rates are determined by the Federal Open Market Committee (FOMC), which consists of seven governors of the Federal Reserve Board and five Federal Reserve Bank presidents.

Explanation:

martin luther king (1929-1968) was an activist for the african american rights, mr. king has a profile of a kind leader that built a tenacity, respect and full of hope future. he was an activist through civil disobedience and no violence pressure mechanisms. he tried to build a more egalitarian and fair society. his efforts carried a reivindication message of the civilian rights to every west corners. for that reason, he won the nobel prize in 1964.

health care plans in the united states having high costs because they are focusing on providing quality programs for different groups of individuals. the quality of the service is based on money flow received from the members. without this investment, couldn't be possible a constant scientific searching to prevent death and illness caused because of low levels of health investigation. currently, the complaints are not about the highest cost, but about the coverage and benefits to access the necessary health services required by the members.  

besides, if a global health system is established the quality levels will fall down because of the standardized of the health. the access to care will increase but the quality will be low because it depends on the money invested.