Consists of non-checkable savings deposits + money market deposits + small time deposits (less than $100,000) + money market mutual funds..

M2

Explanation: M2 consist of money which one can withdraw and spend but require a greater effort doing this.

M2 consist of non checkable savings deposits in banks, certificates of deposit (less than $100,000), mutual funds, demand deposits, coins and bills that circulate in an economy and easily convertible near money.

M2 is a broader measure of M1 which includes cash and checkable deposits.

the answer is true.  i do believe this is the answer because of the amount of wrecks people get into each year.  if you double this with avoiding those so said wrecks, that would make you a "skilled" driver.