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"The Federal Reserve System" Please respond to the following:

Choose a position to defend:
“The U.S. Congress and the President should have enough leverage and power to control the Federal Reserve’s actions in both the short and long run.”
“The Federal Reserve should be independent from political pressure in designing and implementing monetary policy.”

"Monetary Control" Please respond to the following:

Create an analogy or metaphor that explains how banks create and destroy money – one that would be understood by someone with absolutely no background in economics.