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You could look to put some of that cash into loans, adding potential returns without taking incremental interest rate risk.
WSJ: A Secure High-Yield Alternative?
Moreover, they should compete to borrow any funds that are offered in private markets at rates below the interest rate on reserve balances because, by so doing, they can earn a spread without risk.
WSJ: Bernanke Op-ed in WSJ: The Fed��s Exit Strategy
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