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Fed Chair Janet Yellen announced Dec. 16 that the central bank would raise interest rates for the first time in almost a decade. Any further monetary tightening will be gradual and contingent on continued economic health, she explained, projecting that rates would rise 3 percentage points in three years. What should the average consumer make of all this economic commentary? Here’s who wins and loses.

The World Bank is concerned with helping developing countries. The International Monetary Fund is oriented to the international financial system. So the Bank makes loans only to developing countries, while the Fund lends to both developed and developing countries. The Fund obtains its monies from member country "subscriptions" according to the country’s economic size, as determined by the Fund. The World Bank obtains most of its funds by borrowing — and it has a great credit rating.