Example: tourism industry
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f e d e r a l f u n d s r a t e , b u t s i m i l a r l y ...
www.federalreserve.govf u n d s - m a r k e t t r a d i n g i s t y p i c a l l y n o t c o l l a t e r a l i z e d , t h e f u n d s r a t e c a n a l s o differ across borrowers according to their perceived riskiness. We abstract from this issue as well.