Refer to the information below.The chartered banking system has excess reserves of: Consolidated balance sheet for the chartered banking system.Assume the desired reserve ratio is 30 percent.All figures are in billions. 
Definitions:
Unipolar Depression
An enduring depressive disorder marked by constant sadness or a lack of enthusiasm for external activities.
Attribution-Helplessness Theory
A psychological theory suggesting how people attribute events to causes, which can lead to feelings of helplessness and depression when they perceive no control over the outcomes.
Attributional Dimensions
The perceived reasons or causal explanations people assign to events and behaviors, influencing their reactions and attitudes.
Unipolar Depression
A form of depression characterized by a persistent low mood and lack of interest in activities, without the manic episodes of bipolar disorder.
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