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Across 1. loan used to buy real estate 5. something that keeps its worth 7. a bank chartered by the federal government 9. objects that have value in and of themselves and that are also used as money 14. objects that have value because the holder can exchange for other of value 16. coined money, usually gold or sliver, used to back paper money 17. paper currency issued during the Civil War 19. the amont of money that is borrowed 20. an institution for receiving, keeping, and lending money 21. all the money available in the U.S. economy 22. the price paid for the use of borrowed money 23. objects that have value because a government has decreed such 24. coins and paper bills used as money in a society

Down 1. anything that is used to determine value during the exchange of goods 2. money in a checking account that can be paid out "on demand" or at any time 3. direct exchange of one good for another 4. failing to pay back a loan 6. monetary sysytem in which paper money cna coins had backing of gold 8. a bank that belongs to the Federal Reserve System 10. the seizure of property from borrowers who are unable to repay their loans 11. a means for comparing the values of goods and services 12. the ability to be used as, or directly converted into, cash 13. a bank that can lend to other banks in time of need 15. anything that serves as a medium of exchange,unit of account,store of value 18. a widespread panic in which many poople try to redeem their paper money