Answer:
a. Local user profile.
Explanation:
Local user profile is a type of user profile which is stored in the C:\Users folder and is automatically created when a user logs on to the computer for the first time and it is being stored on the local hard disk of the computer.
Generally, in Microsoft windows any change made to the local user profile is peculiar to the user and the host computer on which the change is made.
Hence, local user profiles avails several users the opportunity of sharing a single computer with their respective user settings and data.
Liquidity Effect. When the Fed pursues a tight monetary policy, it takes money out of the system by selling Treasury securities and raising the reserve requirement at banks. This raises interest rates because the demand for credit is so high that lenders price their loans higher to take advantage of the demand.