10. The provision for loan and lease losses": (a) Are the realized losses from the previous accounting period. (b) Represents management's estimate of potential lost revenue from bad loans (c) Determined by the Federal Reserve for all banks. (d) Does not affect net income. (c) Is another name for a bank's "burden." 11. Recoveries refer to: (a) The dollar value of loans actually written off as uncollectible. (b) The dollar amount of loans that were previously charged-off but now collected (c) Net charge-offs. (d) Loans not currently accruing interest. (c) Loans that regulators have required the bank to recover