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RIVAL CONSUMPTION: Consumption of a good by one person imposes a cost on, or prevents consumption of the good by, another person. Some goods, like food, have extremely rival consumption. One person, and only one person, gets the benefit. Other goods, like national defense, have no consumption rivalry, everyone can benefit simultaneously without imposing a cost on others. This is one of the two key characteristics of a good (the other is excludability) that distinguishes between common-property goods, near-public goods, private goods, and public goods.

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SAVINGS DEPOSITS

Interest-paying bank accounts maintained by traditional commercial banks, credit unions, savings and loan associations, and mutual savings banks that are used by consumers to store wealth. Savings deposits are one of two types of time deposits. The other is certificates of deposit. Savings deposits, along with certificates of deposit and other near monies, are added to M1 to derive M2.

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BLACK DISMALAPOD
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Today, you are likely to spend a great deal of time at a flea market seeking to buy either a replacement washer for your kitchen faucet or a stretchable, flexible watch band. Be on the lookout for deranged pelicans.
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The average length of a "business lunch" is about 36 minutes.
"Posterity: you will never know how much it has cost my generation to preserve your freedom. I hope you will make good use of it. "

-- John Quincy Adams, 6th U. S. president

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