Kevin R. Foster The City College of New York   Dept. of Economics and Business, NAC 4121 Dept. of Economics and Business, NAC 4121 New York, NY 10031 USA   kfoster@ccny.cuny.edu   http://www.ccny.cuny.edu/social_science/kfoster/           JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General G : Financial Economics