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DEMERIT GOOD: A good that society, usually government, deems is overvalued by consumers in normal market exchanges. As such, governments typically restrict the consumption of demerit goods through policies such as taxes or direct government control. Demerit goods are often have characteristics of quasi-public goods or externality by-products. Examples include tobacco and narcotic drugs. The counter type of good is a merit good.

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FEDERAL RESERVE BRANCH BANKS

A collection of 25 government banking institutions that are part of the U.S. Federal Reserve System and which support the activities of the 12 Federal Reserve District Banks that supervise, regulate, and interact with commercial banks as they carry out the policies established by the Federal Reserve Board of Governors. Federal Reserve Banks, both District and Branch, are often termed bankers' banks in that they provide banking services to commercial banks. The 37 separate banks--12 District Banks and 25 Branch Banks--spread across the country are what help make the Federal Reserve System a decentralized central bank.

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BEIGE MUNDORTLE
[What's This?]

Today, you are likely to spend a great deal of time watching infomercials hoping to buy either blue cotton balls or a genuine down-filled pillow. Be on the lookout for rusty deck screws.
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This isn't me! What am I?

The portrait on the quarter is a more accurate likeness of George Washington than that on the dollar bill.
"Plans are only good intentions unless they immediately degenerate into hard work."

-- Peter Drucker, management consultant

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