Andrew Keinsley Weber State University   Department of Economics WB 226, 1337 Edvalson St, Ogden, Utah 84408 United State   andrewkeinsley@weber.edu   https://www.weber.edu/goddard/Andrew_Keinsley.html           JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General