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38:37 ECN 135: Lecture 7, Part 2 ECN 135: Lecture 7, Part 2	ECN 135: Lecture 7, Part 2 Lecture 7: Banking Industry: Structure, Competition, and Crises (Part 2 of 3) banks bank banking savings act credit reserve institutions loans unions note charter crisis fed currency thrift lot government wells fdic From Kristin Van Gaasbeck 0 likes 79 plays 0