James Murray University of Wisconsin - La Crosse   Dept of Economics University of Wisconsin - La Crosse 1725 State Street La Crosse, WI 54601 United States   jmurray@uwlax.edu   https://www.murraylax.org/           JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General E0 : Macroeconomics and Monetary Economics: General