M2 is a measure of the U.S. money supply that includes M1, plus savings and small time deposits, overnight repos at commercial banks, and non- institutional money market accounts. M2 is a key economic indicator used to forecast inflation.
DISCRETIONARY means it is not mandatory, it is up to the individual or company.
JOINT ACCOUNT is a financial account owned by two or more persons who share equally in the rights and liabilities of the account.
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