Which of the following best describes why the expansion of the money supply might be different than is predicted by the simple money multiplier? Choose 1 answer: Choose 1 answer: (Choice A) The central bank lowers the reserve requirement A The central bank lowers the reserve requirement (Choice B) Banks may choose to keep excess reserves instead of making loans B Banks may choose to keep excess reserves instead of making loans (Choice C) The marginal propensity to consume decreases C The marginal propensity to consume decreases (Choice D) People keep all their money deposited in banks D People keep all their money deposited in banks (Choice E) The marginal propensity to save increases E The marginal propensity to save increases