please I need help with questions 2 and 3. Thanks.

QUANTITATIVE PROBLEMS 1. Consider a bank policy to maintain 12% of deposits as reserves. The bank currently has $10 million in deposits and holds $400,000 in excess reserves. What is the required reserve on a new deposit of $50,000? 2. Estimates of unemployment for the upcoming year have been developed as follows: Unemployment Rate (%) Economy Probability 10% (so this bank holds no excess reserves). If there is a deposit outflow (i.e., someone withdraws funds from her account) for $5,000, would this bank still comply with the Fed's requirement of keeping 10% of its deposits in the form of reserves? What would be the cost for this bank to comply with this regula- tion if the bank decides to borrow from another bank to eliminate its reserve shortage? Assume a federal funds rate of 0.25%. 4. Refer to the previous problem. What would be the cost for this bank to comply with its required reserves if the bank decides to borrow from the Fed at a discount rate of 0.75%? Can you now explain why excess reserves serve as insurance against deposit outflows? 5. The short-term nominal interest rate is 5%, with an expected inflation of 2%. Economists forecast that next year's nominal rate will increase by 100 basis points, but inflation will fall to 1.5%. What is the expected change in real interest rates? 20 10 Bust Average Good Boom 0.15 0.50 0.20 0.15 What is the expected unemployment rate? The stan- dard deviation? 3. Suppose a bank currently has $150,000 in deposits and $15,000 in reserves. The required reserve ratio is