What is earnings credit rate (ECR), and how does it enhance operating cash?

Greg: For regulatory reasons, banks are not allowed to pay interest on unlimited-transaction domestic demand deposit accounts. ECR is an adjustment factor we can use to offset many banking fees on much needed business services around your checking account, wire transfers and ACH. Though it works differently than an explicit interest payment, it can have the same net effect, allowing you to earn value for volatile operating cash.

Fred: Going back to an earlier point, when you have greater visibility and spend more time understanding what your cash flow is doing, you can optimize your ECR position. You know what you have left over and you can invest that, perhaps, in a higher yielding sweep option or direct investment option. More.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.