                               375

     .     -
      , ,    ,
     .  -  , 
 ,      
  .      ,  
  ,     ,      ,  
          ,   
.  ,        
  .         
         .  
        
 .

     .    -
         30     -
 ,          
 .       -
 .       ;    ,
       ,   ( -
 )    .

          
       (NOW accounts)    
       ( ). -
          (share
draft accounts).    (     . 22)
     .

        
 (time deposits).        
   (,     
).           
        (, 90- 
       ,    
    ).       -
,          ,   
        .  
        -
    .     -
    .

         ,
   ,    $1000.  
      (certifcates of deposits, CD), -
    . CD    (
$100 000  ;    jumbos)   , .. 
   -    .  
         
  '.    . 14.1    CD
   ,     -
  .        Wall Street
Journal.

        
  (FDIC),    , -
         ($100 000
 1994 .)    .  ,   1933 ., 