You are a member of the Board of Directors of a local community bank. It is important to you that the bank support local community business activity. You recently read an article in the Chamber of Commerce bulletin that indicated local community banks with $50 million in assets should strive to achieve a money multiplier effect of $500 million to truly help the local economy. That number struck you because your bank recently reached $50 million in deposits. Different members of the Board of Directors have recommended the following reserve rates for your bank. If your bank is to meet the Chamber of Commerce standard, you conclude that your bank's reserve rate should be _____. a. 20% b. 10% c. 40% d. 30