After saving money in her piggy bank for three years, Beverly decided to deposit $5,000 of the money in the Millertown Bank. If the bank were fully loaned out and the reserve requirement was 20%, then the change in the dollar value of the total money supply would be

a. $20,000.

b. $25,000.

c. $5,000.

d. $4,000.

e. $1,000.

Coursehero expert answer says b. $25,000 because they are doing all $5,000 of deposit as total reserve and then total reserve/reserve ratio = $5,000/0.2 = $25,000. However, change in dollar value of total Money supply will be from "excess reserves" (which is $4,000) and not "total reserves". so answer would be $4,000/0.5 = $20,000. Is this not correct?