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Economic Perspectives, Vol. 18, No. 1, January 1994
The geographic distribution of financial institutions in Chicago

Financial institutions provide a number of important services, including checking accounts or other means of payment, a variety of media for savings, safekeeping, and credit of various types, that are essential to the efficient functioing of a modern economy. The quality of these services and the terms on which they are available have a major effect on consumer welfare.

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