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Several banking law changes have been proposed "to increase" competition between commercial banks ("CB"), mutual savings banks ("MSB"), and savings and loan associations ("SLA"). This paper will examine the empirical evidence concerning thrift institutions' effects on financial conditions generally, and particularly on CB activity, to determine the results of existing interindustry competition.

This paper presents a general theoretical model of individual bank balance sheet management under conditions of uncertainty.

An invited High Table Address given before the students and faculty of Raymond College, University of the Pacific, Stockton, California, December 10, 1969. An impressionistic and idealistic paper from the author’s youth suggesting how his de-projective approach to phenomenology could lead to an actual, lived, worldview.