Moneyfacts says the average instant access savings rate is only 0.07 percentage points higher. Any transaction can be seen as a contract between the two parties. The so-called transaction cost can be seen as the cost of the transaction contract. According to Mr Coase and others, a type of transaction costs arise from the accidental factors that occur when a deal is signed. These incidental factors may not be written into the contract due to the fact that they could not be foreseen in advance, or although they could be foreseen, they could not be written into the contract due to too many factors. Another type of transaction costs is the signing of contracts and the cost of monitoring and enforcing contracts. How to create a more inclusive and fairer society for different creators? A study from PBS shows that diversity helps develop better products and systems. Mun Chun Loh, director of private wealth at GoldSilver Central, said gold has rebounded from a cyclical low and will tend to be lighter as the long holiday begins. Before the law came into force, start-ups could only raise money from qualified investors, and everyone was eligible to become a start-up investor after the jobs bill came into force. We have been using internet banking for quiet sometimes now. Even though there were internet banking security breach occasions, but the percentage is very small. People has learned to be very careful and protecting themselves when using internet banking. Internet banking users are smart people and they also know how to protect their computer from malware and hacker which has the opportunity to interrupt inside their internet checking account.