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Savers can see "good products" from these emerging Banks next year, especially in the long-term fixed bond market, says Rachel Springall of Moneyfacts. The new architecture also means the pages on the content rich site now load in milliseconds, ensuring that potential customers visiting the site are engaged for long enough to register their interest. In the 1920s and 1930s, the great depression forced western economic theorists to reflect on the definition of the market. The final answer is completely laissez faire is not enough, the invisible hand sometimes does not exist, market failure, government should be on economic activity on the "total" intervention, so "macroeconomics" was born. Roosevelt also accepted Keynes's proposal to impose a "New Deal" on government intervention in the economy. It has now formed the world's most consensus-building government: fiscal policy, monetary policy, and, of course, none of these "new" policies. The response to multifactor values is rigid. Rigid instinct (also called the unconditioned reflex) refers to several different tropism in a certain direction organically to form a complete reflex arc reaction mode, it is congenital formation of lower animals, to determine the external stimulation produced by the reaction of the relatively fixed form. Rigid instincts are organisms after a long period of natural selection, gradually formed the low passively adapt to the environment of a kind of way of life, it is born, determined by the genetic factors, to appear without the need for training the day after tomorrow. For example, mechanical stimulation of the coelenterates and arthropods; The newborn's grip reflex, sucking reflex and adult knee jerk reflex, scratching reflex, etc. Instinct is the development form of tropism, rigidity of compound stimuli from a specific things comprehensive response, it makes the organism and the external environment to produce a higher level of coherence, formation of more advanced orderly structure. Anyway, rigid instinct is lower biological things outside of the value of multiple factors is the primary way of ordering reaction, is on the tropism, extension, and the synthesis, make tropism has more purposeful, tropism is get distillation. Famous British economist hicks and others argue that the above theory did not consider the factor of income, and therefore unable to determine the level of interest rates, in 1937, and puts forward the is-lm model on the basis of general equilibrium theory. It establishes a theory of interest rates and income at the same time that the four factors of savings and investment, money supply and monetary demand interact.