Banks in Westeros have been required to keep \[10\%\] of all checkable deposits on reserve, but now the central bank has changed the reserve requirement to \[20\%\]. What immediate effect does this have on banks' balance sheets? Choose 1 answer: Choose 1 answer: (Choice A) Liabilities decrease. A Liabilities decrease. (Choice B) Excess reserves increase. B Excess reserves increase. (Choice C) Required reserves decrease. C Required reserves decrease. (Choice D) Excess reserves decrease. D Excess reserves decrease. (Choice E) Liabilities increase. E Liabilities increase.Cersei deposited \[\$5000\] in the bank. The bank kept \[\$500\] in its vault and loaned out \[\$4500\]. Which of the following best describes what the bank is doing? Choose 1 answer: Choose 1 answer: (Choice A) Excess reserve banking A Excess reserve banking (Choice B) Investment banking B Investment banking (Choice C) Fractional reserve banking C Fractional reserve banking (Choice D) Full reserve banking D Full reserve banking (Choice E) Required reserve banking E Required reserve banking