The Federal Reserve regulates the money supply in the US economy by raising and lowering the discount interest rate and putting more or less money into circulation. Raising the rate makes consumer credit more expensive and lowers buying, while lowering the rate has the opposite effect. The stock market provides companies a way to issue stock to raise capital and gives investors a place to trade securities like stocks, bonds, and futures. It impacts the economy as rising stock prices in a bull market encourage buying while falling prices in a bear market discourage purchases. E-commerce has expanded choices for consumers while increasing global competition and shifting some retail jobs to fulfillment.