Member banks must own shares of stock in the 12 regional Federal Reserve Banks and earn dividends mandated by law to be 6 percent. But the banks must return all profits, after paying expenses, to the U.S. Treasury. Holding this stock does not carry with it the control and financial interest given to holders of common stock in for-profit organizations. The stock may not be sold/traded or pledged as collateral for loans. These don’t give the member banks voting rights. Member banks also appoint six of the nine members of each Bank's board of directors.
No to be in an optimal solution the marginal utility fo both consumer goods should be equal.
As the utility for humus is greater than yougurt it should add more humus to their consumer bag until adding units of any of these gets the same utility