Jim:

> it's ( GMAC) not a bank, at least not the way "Money & Banking" folks define
> that term. A bank takes deposits and makes loans.

Correct! But, looked at differently, a bank borrows short-term and
lends long-term. This is what they mean by the "shadow banking
system." GMAC borrows short-term and lends long-term, and hence is
part of the "shadow banking system."

Sabri
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