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John Maynard Keynes money banking correct; RBI controls money supply, fiat money legal tender.
Ref: NCERT Economics Class XII Chapter 3 Money and Banking explains money functions RBI commercial banks money supply monetary policy clearly.
'Miser' opposite is 'Lavish'; contrast meanings. Antonym correct.
Ref: Oxford Learner's Dictionary antonyms section confirms opposite meanings friendly versus unfriendly attitude clearly explained standard reference.
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