She has been reviewing her savings strategies and current banking arrangements to determine if she should make any changes. Deborah has a regular checking account that charges her a flat fee per month, writes and average of 18 checks a month, and carries an average balance of $795 (although it has fallen below $750 during 3 months of the past year). Her only other account is a money market deposit account with a balance of $4250. She tries to make regular monthly deposits of $50-$100 into her money market account but has done so only about every other month.