The demand curve for federal funds is ________.

A. downward-sloping, because higher interest rates encourage commercial banks to borrow federal funds
B. upward-sloping, because higher interest rates encourage commercial banks to lend federal funds
C. downward-sloping, because higher interest rates discourage commercial banks from borrowing federal funds, but lower rates encourage borrowing
D. upward-sloping, because higher interest rates discourage commercial banks from lending federal funds


Answer: C

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