You live in a world with a universal 8% required reserve rate for all depository institutions.Assume an international visitor deposits $20,000 in the bank.What will the change in the bank's T-account look like immediately after the deposit?Assuming the bank wants no excess reserves, what would its T-account look like after it loans out the excess reserves?What would be the ending T-account if no bank held excess reserves (following the $20,000 deposit)?