what organization in an economy can help prevent or stop a disruption to the circular flow of economic activity and how might this work?

Banks offer services such as checking and savings accounts. what do banks do with most of the money they receive in deposits from customers? a) they loan it out to other customers. b) they spend it on new banks in other places. c) they keep it in a locked, secured vault in the bank. d) they send it to the federal reserve in washington, d.c.