\documentclass[10pt,a4paper]{article}

% Packages
\usepackage{fancyhdr}           % For header and footer
\usepackage{multicol}           % Allows multicols in tables
\usepackage{tabularx}           % Intelligent column widths
\usepackage{tabulary}           % Used in header and footer
\usepackage{hhline}             % Border under tables
\usepackage{graphicx}           % For images
\usepackage{xcolor}             % For hex colours
%\usepackage[utf8x]{inputenc}    % For unicode character support
\usepackage[T1]{fontenc}        % Without this we get weird character replacements
\usepackage{colortbl}           % For coloured tables
\usepackage{setspace}           % For line height
\usepackage{lastpage}           % Needed for total page number
\usepackage{seqsplit}           % Splits long words.
%\usepackage{opensans}          % Can't make this work so far. Shame. Would be lovely.
\usepackage[normalem]{ulem}     % For underlining links
% Most of the following are not required for the majority
% of cheat sheets but are needed for some symbol support.
\usepackage{amsmath}            % Symbols
\usepackage{MnSymbol}           % Symbols
\usepackage{wasysym}            % Symbols
%\usepackage[english,german,french,spanish,italian]{babel}              % Languages

% Document Info
\author{izzywittek}
\pdfinfo{
  /Title (economics.pdf)
  /Creator (Cheatography)
  /Author (izzywittek)
  /Subject (Economics Cheat Sheet)
}

% Lengths and widths
\addtolength{\textwidth}{6cm}
\addtolength{\textheight}{-1cm}
\addtolength{\hoffset}{-3cm}
\addtolength{\voffset}{-2cm}
\setlength{\tabcolsep}{0.2cm} % Space between columns
\setlength{\headsep}{-12pt} % Reduce space between header and content
\setlength{\headheight}{85pt} % If less, LaTeX automatically increases it
\renewcommand{\footrulewidth}{0pt} % Remove footer line
\renewcommand{\headrulewidth}{0pt} % Remove header line
\renewcommand{\seqinsert}{\ifmmode\allowbreak\else\-\fi} % Hyphens in seqsplit
% This two commands together give roughly
% the right line height in the tables
\renewcommand{\arraystretch}{1.3}
\onehalfspacing

% Commands
\newcommand{\SetRowColor}[1]{\noalign{\gdef\RowColorName{#1}}\rowcolor{\RowColorName}} % Shortcut for row colour
\newcommand{\mymulticolumn}[3]{\multicolumn{#1}{>{\columncolor{\RowColorName}}#2}{#3}} % For coloured multi-cols
\newcolumntype{x}[1]{>{\raggedright}p{#1}} % New column types for ragged-right paragraph columns
\newcommand{\tn}{\tabularnewline} % Required as custom column type in use

% Font and Colours
\definecolor{HeadBackground}{HTML}{333333}
\definecolor{FootBackground}{HTML}{666666}
\definecolor{TextColor}{HTML}{333333}
\definecolor{DarkBackground}{HTML}{9B111E}
\definecolor{LightBackground}{HTML}{FBF7F7}
\renewcommand{\familydefault}{\sfdefault}
\color{TextColor}

% Header and Footer
\pagestyle{fancy}
\fancyhead{} % Set header to blank
\fancyfoot{} % Set footer to blank
\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
    }
\end{tabulary}
\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Economics Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{izzywittek} via \textcolor{DarkBackground}{\uline{cheatography.com/205616/cs/43885/}}}
\end{tabulary}
\end{multicols}}

\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}izzywittek \\
  \uline{cheatography.com/izzywittek} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 21st July, 2024.\\
   Updated 21st July, 2024.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{2}

\begin{tabularx}{8.4cm}{x{2.32 cm} x{5.68 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 1 Terms}}  \tn
% Row 0
\SetRowColor{LightBackground}
Economics & The study of how a society chooses to use scarce resources to satisfy unlimited wants and needs. \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\seqsplit{Microeconomics} & The study of a single factor of an economy - such as individuals, households, businesses, and industries \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
\seqsplit{Macroeconomics} & The study of the economy as a whole or one of its principal sectors \tn 
% Row Count 11 (+ 3)
% Row 3
\SetRowColor{white}
Consumer & Individuals or groups that purchase and use goods to satisfy their wants and needs. \tn 
% Row Count 14 (+ 3)
% Row 4
\SetRowColor{LightBackground}
Producer & Individuals or businesses that create goods and services to meet consumer demand. \tn 
% Row Count 17 (+ 3)
% Row 5
\SetRowColor{white}
Goods & A tangible object or material that can be purchased to satisfy human wants or needs. \tn 
% Row Count 20 (+ 3)
% Row 6
\SetRowColor{LightBackground}
Services & An intangible action or activity that is performed for a fee to satisfy human needs and wants. \tn 
% Row Count 24 (+ 4)
% Row 7
\SetRowColor{white}
Resources & Anything used to produce goods or services \tn 
% Row Count 26 (+ 2)
% Row 8
\SetRowColor{LightBackground}
Technology & Scientific and technical techniques used to produce existing products more efficiently or of higher quality \tn 
% Row Count 30 (+ 4)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{2.32 cm} x{5.68 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 1 Terms (cont)}}  \tn
% Row 9
\SetRowColor{LightBackground}
\seqsplit{Entrepreneurship} & The organizational abilities and risk taking involved in starting a new business or introducing a new product to consumers \tn 
% Row Count 5 (+ 5)
% Row 10
\SetRowColor{white}
Scarcity & The fundamental condition of economics that results from the combination of limited resources and unlimited wants. \tn 
% Row Count 10 (+ 5)
% Row 11
\SetRowColor{LightBackground}
\seqsplit{Specialization} & The focus of a worker on only one or a few aspects of production in order to improve efficiency \tn 
% Row Count 14 (+ 4)
% Row 12
\SetRowColor{white}
Money & Any item, typically currency, that is commonly accepted in exchange for goods, services, or settling debts. \tn 
% Row Count 18 (+ 4)
% Row 13
\SetRowColor{LightBackground}
Credit & A form of exchange that allows consumers to use items with a promise of repayment over a specified time \tn 
% Row Count 22 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.12 cm} x{4.88 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 4 Terms}}  \tn
% Row 0
\SetRowColor{LightBackground}
Law of Supply & As the price of a good increases, the quantity supplied increases, and vice versa \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
Cost of Production & The total cost of materials, labors, and other inputs required in the manufacture of a product \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Tax & A required payment to a local, state, or national government, usually made on some regular basis \tn 
% Row Count 12 (+ 4)
% Row 3
\SetRowColor{white}
Law of Diminishing Returns & The principle that as more of one input is added to a fixed supply of other resources, productivity will increase up to a point, after which the marginal product will diminish \tn 
% Row Count 20 (+ 8)
% Row 4
\SetRowColor{LightBackground}
Marginal Cost & The cost of producing one additional unit of output \tn 
% Row Count 23 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.96 cm} x{5.04 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 6 Terms}}  \tn
% Row 0
\SetRowColor{LightBackground}
Monopoly & A market in which a somgle seller exercises exclusive or nearly exclusive control over a particular good or service \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
Oligopoly & A market in which a few large sellers control most of the production of a good or service \tn 
% Row Count 9 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Collusion & An effort by producers or sellers of a particular product to secretly set production levels or prices \tn 
% Row Count 14 (+ 5)
% Row 3
\SetRowColor{white}
Cartel & A group of producers or sellers of a certain good or service who unite to control prices, output, and market share \tn 
% Row Count 19 (+ 5)
% Row 4
\SetRowColor{LightBackground}
Antitrust Legislation & Federal and state laws that regulate big business and labor unions to prevent or dismantle monopolies \tn 
% Row Count 24 (+ 5)
% Row 5
\SetRowColor{white}
Product \seqsplit{Differentiation} & An attempt by a seller in monopolistic competition to convince buyers that its product is different from and superior to the nearly identical products of competitors \tn 
% Row Count 31 (+ 7)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.64 cm} x{5.36 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 2 Terms}}  \tn
% Row 0
\SetRowColor{LightBackground}
Traditional Economy & An economy in which production is based on customs and traditions. \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
Market Economy & An economy in which the government has little to say in what, how, and for whom goods are produced and in which the factors of production are owned by individuals \tn 
% Row Count 10 (+ 7)
% Row 2
\SetRowColor{LightBackground}
Market & The free exchange of goods and services \tn 
% Row Count 12 (+ 2)
% Row 3
\SetRowColor{white}
Mixed Economy & An economy that combines elements of the traditional, market, and command economic models \tn 
% Row Count 16 (+ 4)
% Row 4
\SetRowColor{LightBackground}
Democratic Socialism & An economic system in which some means of producing and distributing goods are owned or controlled by an elected government \tn 
% Row Count 21 (+ 5)
% Row 5
\SetRowColor{white}
Captitalism & A market-based economic system in which individuals own and control the factors of production \tn 
% Row Count 25 (+ 4)
% Row 6
\SetRowColor{LightBackground}
Communism & An economic system in which the government owns or controls nearly all factors of production \tn 
% Row Count 29 (+ 4)
% Row 7
\SetRowColor{white}
Free Enterprise & A system in which private business operates with minimal government involvement \tn 
% Row Count 33 (+ 4)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{2.64 cm} x{5.36 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 2 Terms (cont)}}  \tn
% Row 8
\SetRowColor{LightBackground}
Private Property & Property that is owned by individuals or businesses , rather than by the government \tn 
% Row Count 4 (+ 4)
% Row 9
\SetRowColor{white}
Income & Money received, especially on a regular basis, for working or through investments \tn 
% Row Count 8 (+ 4)
% Row 10
\SetRowColor{LightBackground}
Standard of Living & People's economic well-being as determined by the quantity of goods and services they consume in a given time period. \tn 
% Row Count 13 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.64 cm} x{5.36 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 3 Terms}}  \tn
% Row 0
\SetRowColor{LightBackground}
Law of Demand & As the price of a good decreases, the quantity demanded increases, and vice versa \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
Income Effect & The effect that a change in an item's price has on consumers' ability to purchase goods. \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Substitution Effect & Consumers' tendency to substitute a lower-priced good for a similar, higher-priced one \tn 
% Row Count 12 (+ 4)
% Row 3
\SetRowColor{white}
Demand Curve & A graphic representation of a demand schedule, showing the relationship between the price of an item and the quantity demanded during a given time period. \tn 
% Row Count 18 (+ 6)
% Row 4
\SetRowColor{LightBackground}
Elasticity of Demand & The degree to which changes in price of a good or service affect quantity de,amded \tn 
% Row Count 22 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.48 cm} x{5.52 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Chapter 5 Terms}}  \tn
% Row 0
\SetRowColor{LightBackground}
Market Failure & A flaw in a price system that occurs when some costs have not been accounted for and therefore are not properly distributed \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
Market Equilibrium & The point at which the quantity demanded and the quantity supplied for a product are equal at the same price \tn 
% Row Count 9 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Surplus & When the quantity supplied exceeds the quantity demanded at a given price \tn 
% Row Count 12 (+ 3)
% Row 3
\SetRowColor{white}
Shortage & When the quantity demanded exceeds the quantity supplied at a given price \tn 
% Row Count 15 (+ 3)
% Row 4
\SetRowColor{LightBackground}
Price Ceiling & A government regulation that sets a maximum price for a particular good \tn 
% Row Count 18 (+ 3)
% Row 5
\SetRowColor{white}
Rationing & A system by which a government or other institution decides how to distribute a good service; rationing is usually the result of limited supply \tn 
% Row Count 24 (+ 6)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}