The table below, shows the balance sheet of the Bruins Bank.

Assets			Liabilities/Equity
Reserves	$38		Demand Deposits	$440
Loans	300		Shareholders' equity	50
Securities	100
Fixed assets	52
Total	490		Total	490

By how much is the Bruins Bank over- or under-reserved if the target reserve ratio is as listed below. a. If the target reserve ratio is 2.5% b. If the target reserve ratio is 5.0% c. If the target reserve ratio is 7.5% d. If the target reserve ratio is 12.5%