They clear through the fed reserve... Its called Fedwire
Edit.
Also all wires are initiated from the sending institution. So they basically send the funds through the fedwire system to the fed (not ACH) routing number of the receiving firm and account number.
Remember that by saying marginal we mean the amount of revenue to be gained (or cost to be incurred) by producing one more unit. Therefore in the situation you are saying MR>MC so if we produce one more unit then the extra (marginal) revenue we would see from shipping that unit would be more...
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