The financial agency that sets monetary policy is, The financial agency that insures bank deposits is.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system

Explanation:

i think it can have both positive and negative effects on businesses.

for example:

lets say you own a small business and taxes go up 4% that means it is going to cost your business more money to buy product to sell. but at the same time you make more money from the tax rise.

that is my theory.

answer:

do you think it is fair that you get in trouble because you have you're instagram put and get in trouble. it is your social media not theirs. i am the one who has to be careful. they don't have to take care of me.