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In addition , the base upon which the marginal reserve requirement was calculated was reduced . Credit ( SNC ) Program was established in 1977 by the Board of Governors of the Federal Reserve System , the Federal Deposit Insurance Corporation , and the Office of the Comptroller of the Currency , and in 2001 the Office of Thrift Supervision became an assisting agency . " http://detnews.com/2002/technews/0202/24/a04-425233.htm February 24 , 2002 : Wise guys and living dolls - The line between machine and man has fascinated inventors and tricksters down the centuries . The machine , called Lewis , looks like an upside down dustbin with a digital camera on top . It received additional assistance from the Federal Republic of Germany , and an indemnity from the Federal Council on the Arts and the Humanities . The Loan Quality Assessment Project involved teams of senior examiners from throughout the Federal Reserve System , and was designed to link changes in lending terms and standards to the overall credit quality of bank loans made in the second half of 1997 as compared to loans made in the second half of 1995 . The 1.5 percentage point rise in the manufacturing classification rate to 12.1 percent is largely a function of an 8 percent decline in outstanding commitments , rather than a marked growth in problem credits . ' I 'm not aware of another place in the United States where you can get a master 's degree in artificial intelligence . The Board of Governors of the Federal Reserve System is responsible for two of the three tools of monetary policy : the discount rate and reserve requirements . ' Standing at his vendor 's booth at the 2002 Georgia Association of Educational Leaders Summer Conference at the Jekyll Island Conference Center , he explains the ins and outs of IntelliMetric , an online computerized essay grading program he hopes will eliminate the handwritten red marks of teachers that students are used to seeing when their essay is returned . Using newly available data from the 1998 Survey of Small Business Finances , this article offers preliminary findings regarding the characteristics of small businesses in the United States and their use of credit and other financial services . The ability for students to learn from other experts and participate in real research helps to make learning not only more interesting , but more real , in ways traditional textbooks cannot . What lay in the balance was a simple decision : up or down , 1 or 0 . Black men were significantly more likely to have been turned down for their most recent loan and were more likely to be turned down for trade credit . Managed liabilities included large time deposits ( $ 100,000 and over with maturities of less than one year ) , repurchase agreements against U.S. government and federal agency securities , Eurodollar borrowings , and federal funds borrowings from a nonmember institution . " Crichton 's speech ripped the American media industry for manufacturing a product - - ' information ' - - , that ' has too much chrome and glitz , its doors rattle , it breaks down almost immediately , and it 's sold without warranty .