Suppose that you have a checking account with a $5,000 balance and an outstanding loan with a remaining balance of $1000. You have more than that amount in your checking account, so you write a check to the bank to pay off the loan in full. Using a T-account, show what happens to total bank reserves, total loans, total deposits, and the total money stock as a result of your loan repayment. Does it make any difference whether your checking account and your loan are with different banks or the same bank?