why is there oil on my spark plugs The investment quantity is the decreasing function of interest rate, saving is the increment function of interest rate, and the change of interest rate depends on the equilibrium point of investment quantity and saving amount. Keynes's theory of money supply and demand decided that interest rates were a monetary factor rather than an actual factor. Cretelli denied that foreclosures are imminent but he admitted that many of the units were being returned for the lenders via 'negotiated resolutions and settlements'. Speaking to The Des Moines Register he explained, 'It's a continuous type process, but I think the reality is that we have started to resolution voluntarily with everybody, and, it's going to be better for all parties concerned, 's what it amounts to'. But let's remember that the increased participants were basically in the interest of the economy and were attracted to new tokens that they felt were promising. Canning's 1929 book, economics in accounting, cites the economist's view that asset values are determined by the present value of the future cash flows of assets.