A mid-term election after the president’s sixth year in office
Usually, there is always a major realignment with the opponent party winning most of the seats in congress. As a result president often try to push their legislation before this time to avoid the stalemate that come about as a result, and most president often use executive orders to pass through their policies and veto down policies they don't like.
Banks channel money from savers to borrowers in order to make money off of the "interest" that is charged by the bank to the person or firm taking out a loan. A portion of this interest is also paid to the original "saver".
