Suppose the balance sheet for Bank ABC is as given below, where numbers are in thousands of dollars. Assume that reserves are 10 percent of deposits and that people hold no currency. 
Definitions:
Innate Intelligence
The natural intellectual abilities or talents a person is born with.
Career Experiences
The accumulation of knowledge, skills, and work achievements gathered over the course of an individual's work life.
Characteristics
Traits or qualities that serve to identify or describe an entity or individual.
Competencies
The skills, abilities, and knowledge required for successful performance in a job or task.
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