The Federal Reserve can influence the interest rate on home mortgages by: A. shutting down banks that refuse to follow the federally advised
rate.
B. changing the interest rate it pays banks for their reserves.
C. establishing federal mortgage lenders to compete with private
banks.
D. increasing taxes on all deposits held in its member banks.

According to the federal regulations, which of the following studies meets the definition of research with human subjects? a researcher conducts a comparison of the comments made in a publicly available blog and the blogger's comments on a similar topic in a weekly magazine. undergraduate students in a field methods class are assigned a research question and asked to interview another classmate, to be followed by a class discussion on interview techniques. a cognitive psychologist enrolls undergraduate students for a computer-based study about the effect of mood on problem-solving behaviors. a researcher sets up a meeting with the superintendent of a large and diverse public school system to get data about the ethnic composition of the school system and the number of students receiving free lunches.