Why is it always cooler by the water on a hot summer day? a. water makes up most of the earth surface b. current travel great distances c. water takes longer to heat or cool than land does. d. warm water moves north.

Gif the public and community loses trust in banks it affects the entire u.s. financial system. in order to keep this type of financial contagion from happening, the fed makes as needed short-term emergency loans, by acting as the lender of last resort. guides and regulates private deposit insurance programs to cover insolvent bank losses. decreases the money supply as acting lender of last resort.