578 Miller Economics Today, Nineteenth Edition
Chapter 26 Oligopoly and Strategic Behavior
Economies of Scale in Payments Processing and the Development of Oligopoly
Automated Clearing Houses (ACHs) process both private payments, such as automatic deposits to wage-
earners bank accounts, and public payments, such as direct deposits of Social Security stipends. The 12
The Merger Movement in the U.S. Airline Industry
Since the terrorist attacks on September 11, 2001, the airline industry has suffered a number of setbacks.
Initially, the new security regulations and resulting long waits in airports along with a reluctance to fly by
many members of the public resulted in a large drop in passengers. The result was excess capacity in the
industry. Airlines began to engage in vigorous price competition. A consequence was that many airlines saw
a decrease in profits as ticket prices dropped below average costs. By 2005, the industry had gotten smaller