(Table) SCENARIO: Assume that Empathy State Bank begins with the balance sheet shown and is fully loaned-up. What is the amount of this bank's reserves? 
Definitions:
Communicate
The act of sharing or exchanging information, ideas, or feelings through speech, writing, or other mediums.
Marketing Research
The process of gathering, analyzing, and interpreting data regarding market conditions, customer preferences, and competition to inform business decisions.
Marketing Program
A comprehensive plan that outlines the advertising, sales, and promotional activities for a product or service to reach its target market.
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