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Discusses, in a speech given by Lauchlin Currie at the Chicago Forum of the American Institute of Banking on February 24, 1938, behavior of deposits from the viewpoint of an individual banker. Looks at some of the functions and peculiar characteristics of banking which are mainly associated with deposits. Concludes that the more accurately bankers can determine the probable variability of their deposits the more efficiently will they be able to discharge their responsibilities to their stockholders, depositors, localities and the nation at large.

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