In economics funds are injected into the market as capital by lenders and taken as loans by borrowers. There are two ways in which the capital can end up at the borrower. The lender can lend the capital to a financial intermediary against interest. These financial intermediaries then reinvest the money against a higher rate. The use of financial intermediaries to finance operations is called indirect finance. A lender can also go the financial markets to directly lend to a borrower. This method is called direct finance.[3] 

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Scheme's input and output is based on the port datatype. (R5RS sec 6.6)[4] R5RS defines two default ports, accessible with the procedures current-input-port and current-output-port, which correspond to the Unix notions of standard input and standard output. Most implementations also provide current-error-port. Redirection of input and standard output is supported in the standard, by standard procedures such as with-input-from-file and with-output-to-file. Most implementations provide string ports with similar redirection capabilities, enabling many normal input-output operations to be performed on string buffers instead of files, using procedures described in SRFI 6.[30] The R6RS standard specifies much more sophisticated and capable port procedures and many new types of port.

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Similar procedures are provided for input. R5RS Scheme provides the predicates input-port? and output-port?. For character input and output, write-char, read-char, peek-char and char-ready? are provided. For writing and reading Scheme expressions, Scheme provides read and write. On a read operation, the result returned is the end-of-file object if the input port has reached the end of the file, and this can be tested using the predicate eof-object?.

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All due respect, but in the grand scheme of things, who the hell is Morgan Sanson!?!??!? — SI.com, "Transfer Rumours: Kean to Dortmund, Tottenham's Trippier Replacement, 3 Rafael Leao Bids & More," 18 July 2019 These are small numbers in the grand scheme of things. — Jeffrey Kluger, Time, "Elon Musk Told Us Why He Thinks We Can Land on the Moon in ‘Less Than 2 Years’," 18 July 2019 In the grand scheme of NCAA basketball, Gottfried had turned into a pretty small fish. — Joseph Goodman | Jgoodman@al.com, al.com, "Basketball corruption could upstage SEC Media Days," 14 July 2019 In the larger scheme of things, unionized media workers are starting to see the world and themselves in a new light. — Clio Chang, The New Republic, "How to Save Journalism," 11 July 2019 In the grand scheme of things, respected players should be at the forefront of every conversation. — Julian Mcwilliams, BostonGlobe.com, "Mookie Betts is example of baseball’s brand-new problem," 10 July 2019 And winning 13-nil, in the grand scheme of things, can be counterproductive to the growth of the sport. — San Diego Union-Tribune, "Column: For U.S. women’s soccer team, problem is less the 13 goals than the 13 celebrations," 12 June 2019 Here’s the thing: In the grand scheme of the 2020 campaign, these transgressions by Biden are pretty minor. — NBC News, "Democratic rivals pile on Biden," 6 June 2019 In the grander scheme of Johnson Artur’s archive however, the show barely scratches the surface. — Vogue, "Photographer Liz Johnson Artur Explores the Ties That Bind the African Diaspora," 17 May 2019

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Most Lisps specify an order of evaluation for procedure arguments. Scheme does not. Order of evaluation—including the order in which the expression in the operator position is evaluated—may be chosen by an implementation on a call-by-call basis, and the only constraint is that "the effect of any concurrent evaluation of the operator and operand expressions is constrained to be consistent with some sequential order of evaluation." (R5RS sec. 4.1.3)[4]

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In the R5RS standard, Scheme implementations are not required to implement the whole numerical tower, but they must implement "a coherent subset consistent with both the purposes of the implementation and the spirit of the Scheme language" (R5RS sec. 6.2.3).[4] The new R6RS standard does require implementation of the whole tower, and "exact integer objects and exact rational number objects of practically unlimited size and precision, and to implement certain procedures...so they always return exact results when given exact arguments" (R6RS sec. 3.4, sec. 11.7.1).[5]

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^ Joel Moses (June 1970), The Function of FUNCTION in LISP, or Why the FUNARG Problem Should Be Called the Environment Problem, hdl:1721.1/5854, AI Memo 199, A useful metaphor for the difference between FUNCTION and QUOTE in LISP is to think of QUOTE as a porous or an open covering of the function since free variables escape to the current environment. FUNCTION acts as a closed or nonporous covering (hence the term "closure" used by Landin). Thus we talk of "open" Lambda expressions (functions in LISP are usually Lambda expressions) and "closed" Lambda expressions. [...] My interest in the environment problem began while Landin, who had a deep understanding of the problem, visited MIT during 1966-67. I then realized the correspondence between the FUNARG lists which are the results of the evaluation of "closed" Lambda expressions in LISP and ISWIM's Lambda Closures.
The introduction of lexical scope resolved the problem by making an equivalence between some forms of lambda notation and their practical expression in a working programming language. Sussman and Steele showed that the new language could be used to elegantly derive all the imperative and declarative semantics of other programming languages including ALGOL and Fortran, and the dynamic scope of other Lisps, by using lambda expressions not as simple procedure instantiations but as "control structures and environment modifiers".[23] They introduced continuation-passing style along with their first description of Scheme in the first of the Lambda Papers, and in subsequent papers, they proceeded to demonstrate the raw power of this practical use of lambda calculus.

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Scheme is widely used by a number[37] of schools; in particular, a number of introductory Computer Science courses use Scheme in conjunction with the textbook Structure and Interpretation of Computer Programs (SICP).[38] For the past 12 years, PLT has run the ProgramByDesign (formerly TeachScheme!) project, which has exposed close to 600 high school teachers and thousands of high school students to rudimentary Scheme programming. MIT's old introductory programming class 6.001 was taught in Scheme,[39] Although 6.001 has been replaced by more modern courses, SICP continues to be taught at MIT.[40] The textbook How to Design Programs by Matthias Felleisen, currently at Northeastern University, is used by some institutes of higher education for their introductory computer science courses. Both Northeastern University and Worcester Polytechnic Institute use Scheme exclusively for their introductory courses Fundamentals of Computer Science (CS2500) and Introduction to Program Design (CS1101), respectively.[41][42] Rose-Hulman uses Scheme in its more advanced Programming Language Concepts course.[43] Indiana University's introductory class, C211, is taught entirely in Scheme. The introductory class at UC Berkeley, CS 61A, was until 2015 taught entirely in Scheme, save minor diversions into Logo to demonstrate dynamic scope; all course materials, including lecture webcasts, are available online free of charge.[44] A self-paced version of the course, CS 61AS, continues to use Scheme.[45] The introductory computer science courses at Yale and Grinnell College are also taught in Scheme.[46] Programming Design Paradigms,[47] a mandatory course for the Computer science Graduate Students at Northeastern University, also extensively uses Scheme. The introductory Computer Science course at the University of Minnesota - Twin Cities, CSCI 1901, also uses Scheme as its primary language, followed by a course that introduces students to the Java programming language.[48] In the software industry, Tata Consultancy Services, Asia's largest software consultancy firm, uses Scheme in their month-long training program for fresh college graduates.[citation needed]

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The key insights on how to introduce lexical scoping into a Lisp dialect were popularized in Sussman and Steele's 1975 Lambda Paper, "Scheme: An Interpreter for Extended Lambda Calculus",[19] where they adopted the concept of the lexical closure (on page 21), which had been described in an AI Memo in 1970 by Joel Moses, who attributed the idea to Peter J. Landin.[20]

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In 1998, Sussman and Steele remarked that the minimalism of Scheme was not a conscious design goal, but rather the unintended outcome of the design process. "We were actually trying to build something complicated and discovered, serendipitously, that we had accidentally designed something that met all our goals but was much simpler than we had intended....we realized that the lambda calculus—a small, simple formalism—could serve as the core of a powerful and expressive programming language."[8]

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Scheme is widely used by a number[37] of schools; in particular, a number of introductory Computer Science courses use Scheme in conjunction with the textbook Structure and Interpretation of Computer Programs (SICP).[38] For the past 12 years, PLT has run the ProgramByDesign (formerly TeachScheme!) project, which has exposed close to 600 high school teachers and thousands of high school students to rudimentary Scheme programming. MIT's old introductory programming class 6.001 was taught in Scheme,[39] Although 6.001 has been replaced by more modern courses, SICP continues to be taught at MIT.[40] The textbook How to Design Programs by Matthias Felleisen, currently at Northeastern University, is used by some institutes of higher education for their introductory computer science courses. Both Northeastern University and Worcester Polytechnic Institute use Scheme exclusively for their introductory courses Fundamentals of Computer Science (CS2500) and Introduction to Program Design (CS1101), respectively.[41][42] Rose-Hulman uses Scheme in its more advanced Programming Language Concepts course.[43] Indiana University's introductory class, C211, is taught entirely in Scheme. The introductory class at UC Berkeley, CS 61A, was until 2015 taught entirely in Scheme, save minor diversions into Logo to demonstrate dynamic scope; all course materials, including lecture webcasts, are available online free of charge.[44] A self-paced version of the course, CS 61AS, continues to use Scheme.[45] The introductory computer science courses at Yale and Grinnell College are also taught in Scheme.[46] Programming Design Paradigms,[47] a mandatory course for the Computer science Graduate Students at Northeastern University, also extensively uses Scheme. The introductory Computer Science course at the University of Minnesota - Twin Cities, CSCI 1901, also uses Scheme as its primary language, followed by a course that introduces students to the Java programming language.[48] In the software industry, Tata Consultancy Services, Asia's largest software consultancy firm, uses Scheme in their month-long training program for fresh college graduates.[citation needed]

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Ozymandias, the antihero who engineered the squid in the comic, is still scheming and played by Jeremy Irons. — Wired Staff, WIRED, "Snowpiercer, Picard, and More Awesome Trailers Hit Comic-Con," 20 July 2019 As Becky Sharpe, a woman scheming to improve her station, Cooke was compelling. — Matthew Gilbert, BostonGlobe.com, "If I got to pick the Emmy nominees for comedy and limited series," 11 July 2019 Stop casting Trump as a latter-day Nazi scheming to build concentration camps. — Ben Sales, sun-sentinel.com, "Jews who called out Ocasio-Cortez weigh in on detention centers," 9 July 2019 Meanwhile, El meets up with Max for some girl time after her weird phone call with Mike, as Mike, Lucas, and Will scheme how to fix the situation. — Kathryn Lindsay, refinery29.com, "R29 Binge Club: Stranger Things Season 3," 5 July 2019 King alleges Plank used inside knowledge about the apparel maker’s need to expand from its current Locust Point headquarters and schemed to acquire substantial land, both to sell to Under Armour and to keep as an investment. — Lorraine Mirabella, baltimoresun.com, "Under Armour, Sagamore seek to dismiss shareholder lawsuit over Port Covington," 5 July 2019 Harry struggles to get open against man coverage, but the Patriots are as good as any team in the league at scheming receivers open. — The Si Staff, SI.com, "Scout’s Take: Insider Fantasy Football Analysis for Every NFL Team," 4 July 2019 Amidst all of the plotting, scheming, and constantly changing hierarchy of the court, one thing is a constant ray of light: The woman’s clothes are to die for! — Alexandra Macon, Vogue, "In The Spanish Princess, Catherine of Aragon’s Wedding Dress May Be All the Bridal Inspiration You Really Need," 24 Apr. 2019 Or, the phrase conjures nightmarish images of a ruthless, scheming Lady MacBeth, pulling the strings behind the scenes and usurping the power her husband came by honestly. — Chloe Angyal, Marie Claire, "When Your Spouse Is a Politician, What Happens to You?," 27 June 2019

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R6RS introduces numerous significant changes to the language.[12] The source code is now specified in Unicode, and a large subset of Unicode characters may now appear in Scheme symbols and identifiers, and there are other minor changes to the lexical rules. Character data is also now specified in Unicode. Many standard procedures have been moved to the new standard libraries, which themselves form a large expansion of the standard, containing procedures and syntactic forms that were formerly not part of the standard. A new module system has been introduced, and systems for exception handling are now standardized. Syntax-rules has been replaced with a more expressive syntactic abstraction facility (syntax-case) which allows the use of all of Scheme at macro expansion time. Compliant implementations are now required to support Scheme's full numeric tower, and the semantics of numbers have been expanded, mainly in the direction of support for the IEEE 754 standard for floating point numerical representation.

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The key insights on how to introduce lexical scoping into a Lisp dialect were popularized in Sussman and Steele's 1975 Lambda Paper, "Scheme: An Interpreter for Extended Lambda Calculus",[19] where they adopted the concept of the lexical closure (on page 21), which had been described in an AI Memo in 1970 by Joel Moses, who attributed the idea to Peter J. Landin.[20]

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Ozymandias, the antihero who engineered the squid in the comic, is still scheming and played by Jeremy Irons. — Wired Staff, WIRED, "Snowpiercer, Picard, and More Awesome Trailers Hit Comic-Con," 20 July 2019 As Becky Sharpe, a woman scheming to improve her station, Cooke was compelling. — Matthew Gilbert, BostonGlobe.com, "If I got to pick the Emmy nominees for comedy and limited series," 11 July 2019 Stop casting Trump as a latter-day Nazi scheming to build concentration camps. — Ben Sales, sun-sentinel.com, "Jews who called out Ocasio-Cortez weigh in on detention centers," 9 July 2019 Meanwhile, El meets up with Max for some girl time after her weird phone call with Mike, as Mike, Lucas, and Will scheme how to fix the situation. — Kathryn Lindsay, refinery29.com, "R29 Binge Club: Stranger Things Season 3," 5 July 2019 King alleges Plank used inside knowledge about the apparel maker’s need to expand from its current Locust Point headquarters and schemed to acquire substantial land, both to sell to Under Armour and to keep as an investment. — Lorraine Mirabella, baltimoresun.com, "Under Armour, Sagamore seek to dismiss shareholder lawsuit over Port Covington," 5 July 2019 Harry struggles to get open against man coverage, but the Patriots are as good as any team in the league at scheming receivers open. — The Si Staff, SI.com, "Scout’s Take: Insider Fantasy Football Analysis for Every NFL Team," 4 July 2019 Amidst all of the plotting, scheming, and constantly changing hierarchy of the court, one thing is a constant ray of light: The woman’s clothes are to die for! — Alexandra Macon, Vogue, "In The Spanish Princess, Catherine of Aragon’s Wedding Dress May Be All the Bridal Inspiration You Really Need," 24 Apr. 2019 Or, the phrase conjures nightmarish images of a ruthless, scheming Lady MacBeth, pulling the strings behind the scenes and usurping the power her husband came by honestly. — Chloe Angyal, Marie Claire, "When Your Spouse Is a Politician, What Happens to You?," 27 June 2019 

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