8. Suppose you are a depositor at Duckworth’s Bank, which has the balance sheet shown in Table 18-2. Deposit insurance does not exist.

You originally deposited your money in Duckworth’s because its branch locations are more convenient than those of other banks.

a. Suppose you know that Duckworth’s other depositors plan to keep their money there.

Should you do the same or withdraw your money and deposit it elsewhere? LOP8