nancial Times, March 28 2014, 00144feabdc0.html. Suzanne Kapner, Stephanie Armour, and Julie Steinberg, "'Stress Test' Failure Sparked Scramble at Citi rou .," Wall Street Journal, March 27, 2014, 34 EFTA00611687 Money market funds evolved in the 1980s to circumvent Regulation Q. Banks and savings and