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The Office of the Comptroller of the Currency examined the bank under the CRA and found its 45 percent loan-to-deposit ratio reasonable compared to other banks in the area . Instead countries will be confronted with the choice of a maxi currency union or no currency union . GnuCash and KMyMoney both treat stocks and mutual funds in a way similar to their treatment of currencies : they are commodities which , at any given time , can be exchanged for money at a particular price . The IMF Agreement that came out of Bretton Woods contained a scarce currency clause , which , as Keynes pointed out , " commits the US to finding a way out in the event of the balance of trade turning obstinately in its favour " ( Moggeridge , p. 189 , 15 February 1945 ) . The yuan revaluation makes imports less expensive , not only in China , but in other Asian economies now more able to let their own currencies appreciate as well . The course explains why there are markets for property , futures and options , unit trusts ( mutual funds ) , commodities , currencies and money and how these financial products are traded in the financial markets . Generally , any gain or loss resulting from currency exchange fluctuations during the period from the date the dividend payment is to be included in income to the date the payment is converted into US dollars will be treated as ordinary income or loss . Currency movements favorably affected sales by about $ 30 million during the quarter . PBGC ’ s investment managers employ a variety of derivative investment strategies including : investment of foreign currency forward and option contracts used to adjust overall currency exposure to reflect the investment views of the portfolio managers regarding relationships between currencies ; investment in swap and swaption contracts to adjust exposure to interest rates , fixed income securities exposure , and to generate income based on the investment views of the portfolio managers regarding interest rates , indices and debt issues ; and investment in stock warrants and rights that allow the purchase of securities at a stipulated price within a specified time limit . Those flows of resources into the U.S. economy provide funds to finance net imports and also influence the rate of exchange between the dollar and other currencies .