Electronic funds transfer (a) involves making and receiving pay- ments via computers and other automated means (b) is the amount of demand deposits held at banks (c) is a payment procedure in- volving the use of checks (d) involves the transfer of funds from the Federal Reserve to member banks.

In the'' mystery of the old sea chest'' a girl named Gloria she finds this mysterious chest just siting up there in her attic so of curse she had to ask about it. So she asks she uncle Rogers he just figured that it was sewing stuff. And so Gloria was frustrated,but her determination was so powerful that she didn't wan't to give up!

''mile-high mystery ''My sister and I hear this eerie wail coming from outside. So they find this alone,sad,homeless dog and so they instead of them saying ''whatever'' and just shut the door on the little guy they acted to help him and find the owner and get him a better life then on in the ''Bitterly cold snow''. So they tried and tried,but even it got hard or it didn't work out ''I sigh,but I just couldn't give up. and the tried so hard they tried phone books, they tried asking so many animal clinics, and then THEY FOUND HIM A HOME So the theme of the two stories are ''dig a little deeper and you will find the solution''