21 (1 point) Which of the following is true of the money multiplier? a) The higher the value of deposits in banks, the higher the value of the money multiplier. b) The higher the value of the required reserve ratio, the higher the value of the money multiplier. c) The higher the value of deposits in banks, the lower the value of the money multiplier. d) The higher the value of the required reserve ratio, the lower the value of the money multiplier