What are the advantages of having a dual banking system? (Select all that apply.) Federal-chartered bank examination fees are lower than state-chartered fees. State banks are allowed to act as testing facilities for innovation and change. Federal regulators have greater familiarity with their member banks. It promotes competition and helps combat unfair and deceptive practices.

Betty contracted with scooby’s skate store to deliver a pair of skates to jake for his birthday. scooby’s owner was going on a trip and delegated the delivery of the skates to brian. brian failed to make delivery.can jake sue brian for breach of contract, as he was not a party to the original contract? explain your answer. brian was not a party to the original contract. why would a court hold him responsible for failing to make delivery? if you do not think a court would hold him responsible, explain your answer. can jake sue scooby’s skates for breach of contract? explain your answer.