Given the balance sheet below and assuming a required reserve ratio of 20 percent,how much (in dollar terms) is this bank holding in excess reserves? 
Definitions:
Trivial
Of little value or importance; insignificant.
Defense Mechanisms
Psychological strategies brought into play by individuals to cope with reality and maintain self-image, often unconsciously to reduce anxiety or discomfort.
Inner Conflicts
Psychological struggles that arise from opposing desires, drives, or impulses within an individual.
Transference
A psychological phenomenon in which an individual unconsciously redirects feelings and desires from one person to another, notably discussed in psychoanalysis.
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