Couchs Barbecue has a monthly ledger balance of $100,000 and deposit float of $30,000. The First Bank of Jonesboro pays Couchs an earnings credit rate of 0.50%. The reserve requirement ratio is 10%. Couchs monthly service charges equal $285. a. Calculate Couchs earnings credit. b. How much will the bank debit from Couchs account (for the monthly service charges)? c. What collected balance is required to ensure that Couchs service charges are offset by the earnings credit? d. Using the original assumptions, what ECR would allow Couchs service charges to be offset by the earnings credit? Does your answer seem likely?