17. The emergency Banking Relief Act closed all banks in order to stop the banking crisis that was occurrence The Banking Act of 1933 created the Federal Deposit Insurance Corporation to insure bank deposits.
18. Which New Deal program continues to monitor U.S. businesses, regulate the U.S. stock and options exchanges, and maintain a safe market for investors at the present time?

17. The Emergency Banking Relief Act Closed All Banks In Order To Stop The Banking Crisis That Was Occurrence

Answers

Answer 1

The Emergency Banking Relief Act closed all banks in order to halt the occurrence of a banking crisis. The Federal Deposit Insurance Corporation was established by the Banking Act of 1933 to insure bank deposits.

What was the purpose of the Emergency Banking Relief Act?

The new law permits the twelve Federal Reserve Banks to issue extra currency on good assets, ensuring that the banks that reopen can meet every valid demand. The Bureau of Engraving and Printing is distributing the new currency throughout the country." It became law on March 9, 1933. The act authorized a plan to shut bankrupt banks and reorganize and reopen those that were strong enough to survive. Congress passed this Act as part of the New Deal in 1933. The crisis ended on March 6, 1933, when Roosevelt declared a national bank holiday and announced the stoppage of gold shipments (Wheelock 1992). The Federal Reserve System as a whole, according to Friedman and Schwartz, had no policy in place in the two months preceding the national banking holiday.

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Related Questions

Whats your opinion on the two term limit? Do you agree with it or not?

Answers

Yes, we agree with the two term limit.

What is a term limit?

A term limit is a legal restriction that limits the number of terms an office holder can serve in a particular elected office.When term limits are found in presidential and semi-presidential systems, they act as a method of limiting the potential for monopoly, effectively making the leader "president for life".This is to protect the republic from becoming a de facto dictatorship.Term limits can be applied as a lifetime limit on the number of terms an office holder can serve, or term limits can be applied as a limit on the number of consecutive terms they can serve.The dates go back to ancient Greece and the Roman Republic, as well as the Republic of Venice.In the ancient Athenian democracy, many officials were limited to a single term.

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list five rights you think all people in our nation should have. why do you think that it is important that all people should have those rights???? please answer i will mark you brainliest!!!!

Answers

1. The right to life, liberty, and the pursuit of happiness is important because it ensures that every person has the opportunity to live their life in a way that is fulfilling and meaningful to them. Without this right, individuals would be subject to the whims and dictates of others, and would not be able to fully realize their potential.

2. The right to freedom of speech, religion, and the press is important because it allows individuals to express themselves freely and to practice their beliefs without fear of persecution. This right is crucial for promoting diversity of thought and fostering open and honest dialogue in our society.

3. The right to equal protection under the law is important because it ensures that every person is treated with dignity and respect, regardless of their background or circumstances. Without this right, individuals would be subject to discrimination and unequal treatment based on factors such as race, gender, or socioeconomic status.

4. The right to a fair and impartial trial is important because it guarantees that individuals are not subjected to arbitrary or biased judgments by the legal system. This right is essential for ensuring that justice is administered fairly and evenly, and that individuals are not unfairly punished or denied their due process.

5. The right to privacy and freedom from unreasonable searches and seizures is important because it protects individuals from intrusive and unwarranted interference by the government or other authorities. This right is essential for ensuring that individuals are able to live their lives in a manner that is free from unnecessary surveillance or interference.

What is the process coal must undergo in order to generate power?

A combined with hydrocarbons and compressed into a fine powder

B.compressed into a very dense substance

C. milled into a fine powder and burned at a high temperature

D. milled into a fine powder and burned slowly at a mid-temperature

Answers

The process that coal must undergo in order to generate power is that it is milled into a fine powder and burned at a high temperature. The Option C is correct.

What is the process of generating electricity from coal?

Basically, the electricity generated with the help of coal is called a Thermal Power. A coal-fired plants are used to produce electricity by burning coal in a boiler to produce steam.

The steam produced under the tremendous pressure, flows into a turbine, which spins a generator to create electricity, so, the steam is then cooled, condensed back into water and returned to the boiler to start the process over.

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WILL GIVE BRAINLIEST AND 20 POINTS!!!
a team in your company is struggling to meet the performance level that is expected if them.bHow should we best implement goal-setting in a team context?
A. set difficult and specific goals unique to each team member
B. create a common goal for the whole team
C. establish a goal by telling the team to do the best they can do
D. have the team establish their own difficult goals ​

Answers

Answer:

B

Explanation:

Teamwork makes the dream work. It's a decent saying, but the advice is incomplete.

When it comes to improving collaborative teamwork, defining what improvement looks like and why teamwork is important is the first step. Improving teamwork is less about doing that literally than it is about establishing the outcome you're trying to improve. One cannot simply "improve teamwork" for the sake of improvement alone. Instead, you and your team are attempting to accomplish something that has yet to be done -- and defining that clearly and often is paramount.

Teamwork cannot exist apart from the "something" that your team is working to accomplish.

Are you trying to achieve your sales goals, drive greater employee performance or create technology to better serve your customer base?

Once you've established the "what," you can focus on working best as a team to achieve those goals (or on driving spirited competition within your team to achieve the goal *nudges the sales department*). This comes from setting your goal(s), understanding how your team collaborates most efficiently and placing individuals in the roles that best fit them, for the success of that individual and of the team.

So quit relying on cheesy sayings to inspire your teams and instead understand the benefits of great teamwork, how to build a high-performing team, and learn how to improve teamwork and teamwork skills, for real.

the nye committee hearings in the 1930s popularized the idea that a key factor leading the united states into world war i had been

Answers

The nye committee hearings in the 1930s popularized the idea that a key factor leading the united states into world war i had been The need to protect American bank loans to allies (used to purchase weapons from American manufacturers).

Impressionabout the Nye Committee?

Senator Gerald P. Nye of North Dakota conducted an inquiry into these claims in 1934. The massive profits the wartime arms industry made were recorded by the Nye Commission. The article provided the idea that these corporations had some influence over the wartime decision.

What outcomes have the Nye Commission Decisions produced?

Americans who embrace isolationism have been influenced by the NYE Commission's findings. According to the Nye Commission, the fundamental motivation for America's entry into World War I was to satisfy the avarice of bankers and arms manufacturers, which led many to favor isolationism.

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❧ Who benefited from the network of roads and railways and other modernization during British Rule?

Answers

The British constructed a network of roads and trains for administrative ease and the army's quick movement. But the Indians also benefited from these advantages.

What is modernization during British Rule?

To physically transport finished commodities from Britain to various interior regions of colonial India, railroads were created. British people desired a larger market for their products. To mobilize the British Army in India, roads were built. Reduced transportation costs and improved access to Indian raw cotton for English merchants were the two main objectives of the proposal to build railroads. Additionally, the railway would open the Indian market to British-made goods like cotton textiles.

Britishers used modern transportation to collect raw commodities from all around India. In order for their machine-produced items to quickly reach markets in distant locations Armies must move swiftly to quell uprisings and outside aggression.

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Which of the following MOST impacted the spread of blues music to the North?

Answers

Answer:

A(the new of the civil war and slavery expansion?

Examine the following excerpts related to the American Revolution and then answer the question that follows.
IN CONGRESS, July 4, 1776.
The unanimous Declaration of the thirteen united States of America,
When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation...
One of the outstanding symbols of the heritage of the United States is the Declaration of Independence. It represents the concern among American citizens for the equality and unalienable rights of men and for government by their consent.
Which statement is true?
The first excerpt is a primary source because it is from the same time as the historical subject being studied
Neither excerpt would be useful to a historian who is studying the American Revolution.
The first excerpt is a secondary source because it was written some time after the historical subject being studied.
The first excerpt gives an author's analysis and interpretations of the Declaration of Independence.

Answers

Answer:

washinton

Explanation:

The night before, we had traveled forever and a day on a small boat.

Which type of figurative language did the author include in this sentence?

a
Alliteration

b
Hyperbole

c
Metaphor

d
Simile

Answers

BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

What is one truth we can learn from the story of Samuel hearing the Lord’s voice?

Answers

Answer: One truth that can be learned from the story of Samuel hearing the Lord's voice is that God can speak to us in various ways, and it is important to be attentive and open to hearing His voice. In the story, Samuel is a young boy who is serving in the temple under the guidance of the prophet Eli. Despite being a young and inexperienced person, Samuel is able to hear the Lord's voice and respond to it. This shows that God can speak to anyone, regardless of their age or status, and it is important for us to be attentive and listen for His guidance in our own lives.

Another truth that can be learned from this story is that it is important to be obedient and faithful in following the Lord's will, even when it may be difficult or challenging. Samuel initially does not recognize the Lord's voice and has to be prompted by Eli to respond. However, once he understands that it is the Lord speaking to him, he immediately responds with a sincere and obedient heart. This willingness to follow the Lord's will, even when it is not fully understood, is a key aspect of a faithful and obedient life.

Explanation: put it in your own words or use quillbot to summarize so you dont suffer with plagarism issues

Match the descriptions to compare the differences between the North, South, and West in the 1860's.

The task is to match the lettered items with the correct numbered items. Appearing below is a list of lettered items. Following that is a list of numbered items. Each numbered item is followed by a drop-down. Select the letter in the drop down that best matches the numbered item with the lettered alternatives.
a.
Old social order, plantation-agricultural society that favored states' rights, a weak central government, and the freedom to own slaves

b.
Multi-cultural, industry-based society that favored a strong central government and the abolition of slavery

c.
Developing agrarian-based society, more concerned with problems with Mexico and Native Americans than anything about states' rights and slavery.

1.
North


a
2.
South


a
3.
West

Answers

A) north:  The North was heavily industrialized and had a large population of free labor, while the South was largely agricultural and relied on slave labor.

What is agricultural ?

Agricultural is the cultivation and farming of land for the purpose of producing food, fiber, and other goods. It involves the study and management of soil, water, plants, pests, and animals. Agricultural practices include crop rotation, fertilization, irrigation, and the use of machinery and technology to increase productivity and efficiency. The main goal of agricultural practices is to provide a safe and healthy food supply, while also preserving natural resources and protecting the environment.

B) South: The South was mostly agricultural and relied on slave labor, while the North had a large population of free labor and was heavily industrialized.

C) West: The West was largely undeveloped and was in the process of being settled, while the North and South were already heavily populated and industrialized.

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What did most Germanic kingdoms have in common?

Answers

Answer:

Germanic kingdoms were a group of medieval states located in what is now Europe. The most important shared characteristic of these kingdoms was their common Germanic cultural heritage, which included a common language and a shared set of customs and traditions. Germanic kingdoms were also known for their military prowess, and many of them were known for their warrior cultures. Some other common characteristics of Germanic kingdoms included the use of feudal systems of government and a strong emphasis on personal loyalty to leaders.

what set a national minimum hourly wage and prohibited factory labor for
children under the age of 16.
Wagner Act
Fair Labor Standards Act
Works Progress Administration
O Social Security Act

Answers

This set a national minimum hourly wage and prohibited factory labor for children under 16 years of age.

the crusades we're a series of wars fought between which two religious groups?A. Christians and Jews B.Christians and pagans C.Jews and Muslims D.Christians and Muslims

Answers

D) Christians and Muslims engaged in a series of wars during the crusades.

What were the Crusades' two primary goals?

After Muslim wars of expansion for centuries, Christians in western Europe organized the Crusades. Stopping Muslim states' expansion, reclaiming the Holy Land in the Middle East for Christianity, and recapturing Christian-occupied territories were their primary goals.

Who were the crusaders?

Crusading was used against the Cathars in Languedoc and Bosnia in the 13th century; this training went on against the Waldensians in Savoy and the Hussites in Bohemia in the fifteenth hundred years and against Protestants in the sixteenth.

What was the purpose of the crusades?

The Crusades were a series of religious wars started by Christians and Muslims to get control of holy sites that both groups considered sacred. Between 1096 and 1291, there were eight major Crusade expeditions, ranging in size, strength, and degree of success.

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What did Roger Sherman have to do with the Great Compromise? I need a detailed explanation, please!

Answers

Roger Sherman was an American statesman and Founding Father who played a key role in the development of the Great Compromise during the Constitutional Convention of 1787.

The Great Compromise, also known as the Connecticut Compromise, was a deal reached between the small states and the large states at the Constitutional Convention to address the issue of representation in the new federal government. The small states wanted each state to have an equal number of representatives in the national legislature, while the large states wanted representation to be based on population.

Sherman, who was a delegate from Connecticut, proposed a solution that became known as the "Sherman Plan." This plan called for a bicameral (two-chamber) legislative branch, with one chamber (the House of Representatives) being based on population and the other (the Senate) being based on equal representation for each state. This compromise allowed both the small states and the large states to get something they wanted, and it was eventually adopted as part of the United States Constitution.

Sherman's role in the Great Compromise was significant because it helped to resolve a major point of contention between the different states and allowed the Constitution to be ratified. Without his compromise, it is possible that the Constitution would not have been adopted, and the United States may not have developed into the country it is today.

PLEASE HELP!
How does the U.S. government influence the market economy?

It provides public goods and services. It provides public goods and services. It tells companies how much to charge for all goods. It prevents states from collecting taxes. It buys companies in foreign markets

Answers

In the United States, the government has two methods for influencing economic activity: monetary policy and fiscal policy.

Give a brief account on Governments' Influence on Markets.

The idea of free markets frequently assumes that the government interferes with them very little or not at all. However, in practice, governments do intervene to maintain market stability, control business transactions, offer institutional frameworks, and uphold laws governing property rights and contract law. When markets fail, governments can also step in by providing bailouts and other urgent measures.

Only governments have the legal authority to issue their own currencies. Governments usually like to see inflation in the currency when they can get away with it. Why? The value of the government bonds issued in the inflated currency and held by investors is diminished even though it gives the economy a short-term economic boost as businesses raise their prices.

Inflation feels wonderful for a while, especially for investors who watch corporate earnings and share prices soar, but over time, it leads to a general depreciation of value. Savings have no value, which penalizes savers and bond buyers. This is advantageous for debtors since they will now have to pay less to pay off their debts, which is bad news for individuals who purchased bank bonds based on those debts. This increases the allure of borrowing, but the allure is quickly destroyed when interest rates skyrocket.

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While modern agriculture continues to employ 2/3 of
the Indian population, it serves as only one-fifth of the
nation's GDP. What does this shift indicate about India's changing economy? Will
agriculture diminish over time?

Answers

India is now regarded as having a mixed economy because the private and state sectors coexist there and because it makes use of foreign trade, and agriculture industry is declining.

What changes have been made to Indian agriculture over time?

About 58% of India's population relies primarily on agriculture as a source of income, making India one of the world's top participants in this field. Because more land is being utilized for the development of industries, warehouses, and shelters, there is less area being used for agriculture. This causes the soil to degrade due to the usage of pesticides, fertilizers, excessive irrigation, etc.

The factors that contribute most to low agricultural output include average farm size, inadequate infrastructure, low utilization of farm technologies and best farming practices, reduction in soil fertility owing to overfertilization, and persistent pesticide usage. Thus, public spending on agriculture has decreased more quickly than agriculture's proportionate role in the economy.

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Which statement best describes Union efforts to pay for the Civil War?

Answers

Answer:The Union printed and borrowed money, which caused inflation.

Explanation: ^^ have a great time on brainy!

Please help
In ruminant animals, which part of the digestive tract is the true stomach?

A. cud
B.reticulum
C. omasum
D. abomasum

Answers

The answer is D, abomasum

The US Memorial Holocaust Museum notes that 6 million Jews were killed during the Holocaust. From where do they MOST likely get this number?

Answers

Dr. Wilhelm Hoettl, an Austrian-born official in the Third Reich and a professional historian who held a number of high positions in the SS, appears to have originally cited the figure.

What do you mean by Museum?

A museum is a non-profit, long-term organization that studies, gathers, conserves, explains, and displays tangible and intangible heritage in the service of the community.

The number of Jews killed in the Soviet Union is one of the biggest areas of uncertainty. While the murders in the USSR were carried out by Einsatzgruppen (mobile killing teams), the Jews of the European countries conquered by the Germans were primarily sent to death camps where fair-to-good records were kept. It is only feasible to give a reasonable estimation of the number of Jews slain, which is often between 800,000 and 1 million because their records were far less thorough.

Therefore, Dr. Wilhelm Hoettl appears to have originally cited the figure.

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Qualitative research often involves what's known as an iterative process for data collection and analysis. This terminology refers to the fact that, in qualitative research:

Answers

Qualitative research often involves what's known as an iterative process for data collection and analysis. This terminology refers to the fact that qualitative researchers may collect and analyze data, then collect and analyze some more data.

What is the Qualitative Research?

For qualitative research, the following methods are employed to collect data: the researcher's observations, surveys, focus group discussions, observations, field recordings, texts, case analyses, and artifacts. Most of the data are not numerical.

Focus discussions, in-depth questions, testimonials, a methodical research methodology, and ethnography are only a few of the methodologies included in qualitative research, according to the Code. In general, this study uses descriptive, unstructured data.

Instead of providing a cursory account of a wide sample of a population, qualitative research seeks to get a thorough insight into a particular organization or event. It seeks to give a clear representation of the organization, sequence, and overarching trends as one of a sample of stakeholders.

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What ideas did john Locke contribute to the American Revolution and government?

Answers

He made lots of states.

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In order to maintain the "American" standard of living, what did it suddenly become acceptable for people of the 1920s to do?
O Watch movies
Bargain for better prices
O Put things on layaway
O Go into debt

Answers

Answer:

Go into debt

Explanation:

Credit cards started to be manufactured, you'd think it'd be common to watch movies do to the rising popularity, but it was common for people to go into debt thinking the credit card was like free money

What problems does Marti say are occurring in various Spanish America republics?

Answers

Answer:

Explanation:

republics are being drained of their resources by America.

During the 1970s and early 80s all of the following occurred EXCEPT
1) The number of young women having pre-marital sex increased dramatically
2) Americans were first made aware of the AIDS virus
3) The number of unmarried couples living together increased dramatically
4) Gay and lesbian rights were becoming more restrictive

Answers

During the 1970s and early 80s all of the following occurred except that that the Gay and lesbian rights were becoming more restrictive. The Option 4 is correct.

What were rights?

A rights refers to a legal, social or ethical principles of freedom or entitlement, that is, they are fundamental normative rules about what is allowed of people or owed to people according to some legal system, social convention, or ethical theory.

People's rights are of essential importance in such disciplines as law and ethics, especially theories of justice and deontology. It is fundamental to any civilization and the history of social conflicts is often bound up with attempts both to define and to redefine them.

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4. Not all the philosophes held the same beliefs, but most agreed that:
a. Reason should be used at all times
b. The search for new knowledge and ideas should continue
c. Improvements must be made in the system of justice to end unfair jail sentences, the torture of prisoners, and terrible conditions in prisons.
d. Slavery and warfare should be done away with
e. Freedom of religion, speech and press must be given to all
f. Everyone should enjoy liberty and equality.
9. There should be public education for all, not just schools for children of the wealthy.

Answers

Not all the philosophers held the same beliefs, but most agreed that freedom of religion, speech and press must be given to all.

What do you mean by philosophers?

A philosopher is a person who engages in philosophical activity or inquiry. The word "philosopher" is derived from the Romanized Ancient Greek phrase "lover of wisdom."

The Greek philosopher Pythagoras is credited with creating the phrase (6th century BCE).

In the traditional meaning, a philosopher was a person who adhered to a particular style of living and focused on finding answers to existential concerns concerning the human condition; they were not required to discuss ideas or make judgments about writers.

Philosophers would have been those who had most fervently devoted themselves to this way of life. In Greece in the sixth century BC, philosophy and science were first distinguished from theology.

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In this cartoon, the politicians have been portrayed negatively by the artist.

The woman activist seems to be revealing their actions.

This artist most likely was in favor of women's right to vote.

Answers

It's possible that the artist was in favor of women's suffrage based on the portrayal of the woman activist in the cartoon. However, without more information about the context of the cartoon and the artist's intentions, it's difficult to say for certain. It's also worth noting that artists can use their art to critique or satirize certain issues or groups of people, even if they personally agree with those groups or issues. It's always important to consider the context and motivations behind any work of art or media.

Use the passage to answer the question.
What is the writer's claim?

A. Many women marched to the statehouse in Massachusetts to lobby
in favor of giving women the right to vote.

B. The Massachusetts legislature is considering striking the word male
from the section about voting rights.

C. If given the right to vote, the women of Massachusetts will soon take
over the government.

D. Until a majority of women in Massachusetts say they want the vote,
the state constitution should not be amended

Answers

In the part about voting rights, the Massachusetts legislature is debating removing the word "man." The correct response is option (B).

Define right to vote.

Suffrage, political franchise, or simply franchise are all terms used to describe the right to vote in public elections and referendums. In contrast to "passive suffrage," which is the right to run for office, "active suffrage" refers to the right to vote in a variety of languages, occasionally including English.

The 19th amendment, which was enacted on August 18, 1920 after being voted by Congress on June 4, 1919, granted women the right to vote. In America, the 19th amendment provides legal protection for women's right to vote. This victory required years of activism and resistance; it required a long and difficult war.

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recent investigations on agricultural production suggest that there were no in the kuk highlands about 6000 years ago.

Answers

Recent investigations on agricultural production investigate that there were no pigs in the KUK highlands about 6000 years ago.

Kuk is an area at c. 1600 m altitude in the upper Wahgi Valley of the Western Highlands that is the Province of Papua New Guinea, near Mount Hagen, the provincial capital. The Kuk area forms part of the highland spine that spreads over more than 2500 km from the western head of the island of New Guinea till the end of its eastern tail. KUK highlands is one of the few areas in the world where archaeological evidence reveals independent agricultural development and transformation in agricultural practice over such a long period of time.

"

Complete question is:

Recent investigations on agricultural production suggest that there were no ______ in the kuk highlands about 6000 years ago.

"

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what is someone using that means controlling the actions of others

Answers

Answer:

Power

Explanation:

If you have more power than someone, you have more authority, so you get to moderate/control the people with less power than you.

Which term relates to control over the actions of others? Power.

As a concept, “power elite” can be defined as a small group of people who control a disproportionate amount of power, wealth, and privilege and access to decision-makers in a political system

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Please help In ruminant animals, which part of the digestive tract is the true stomach?A. cudB.reticulumC. omasumD. abomasum Really need help on this I do not understand how to do anything Find compound interest on 15,625 at 4% for 3 years.Help! With steps Bob and sally are twins. Bob lives on the ground floor of a building, and sally lives on its 100th floor. What happens after a few years pass In what quadrant does the terminal side of -400 degrees lie? Find the value of each variable.Simplify. your answers as much as possible. The zebra (herbivore) population i exploding in the avannah. At the ame time, population of many mall animal that live in the Red Gra that zebra eat are beginning to die out. Why do you think population of thee mall animal are dying out? What could we do to help prevent thee mall animal from going extinct? the nurse is preparing a client for a cesarean delivery. a urinary catheter is to be inserted into the client's bladder, and the client asks the nurse why this is necessary. the nurse appropriately replies by telling the client that which is the catheter's primary purpose? what does it mean when 30% of the phenotypic variation in a quantitative trait is due to environmental variation Which of the following statements must be true about the polynomial function f(x) According to online realtor Zillow a 30 year $200,000, 4. 5%, fixed rate mortgage on your house will currently set your estimated monthly payments at about $1,020 per month. A 15-year fixed rate $200,000 mortgage would drop to 4. 0% with monthly payments of $1,480. Approximately how much would the 15-year fixed rate mortgage save you over the length of both loans? you are working in the lab with your group and you notice the sweater on the mannequin next to you catches on fire. what is the appropriate course of action? Me. Ramirez writes the equation shown. He asks four students to slice the equation for y 8x-4y=20 Silvia puts $1000 in an account. She puts 10% of the account each month for a year how much is in her account at the end of the year? What is one way sprite properties are the same as variables? which finding provides evidence that opioid drugs enhance the brain reward system in animal models? . Is x + 2 a factor of the polynomial f(x)=2x^4-3x-4x+1?Of(2)=13, so (x + 2) is not a factor.O f(-2)=29, so (x + 2) is not a factor.O f(-2)=0,so (x + 2) is a factor.Of(2)=0,so (x+2) is a factor. Prefixe = "BCFHMPRSVT"uffix = "at"for p in prefixe: print(p uffix)Since Tat i not a word, the program need to be changed to print That intead of Tat. Add a conditional tatement to make the program print That intead of Tat according to our textbook, lukes gospel puts a good deal of emphasis on prayer, reporting that jesus prayed eleven times, much more than any other gospel. Terron has monetary assets that total $8,500 and monthly living expenses that total $2,000. His emergency fund ratio is