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Excess reserves are equal to:
Racial Stereotypes
Oversimplified and generalized beliefs about the characteristics, attributes, and behaviors of members of a particular racial group.
Scapegoat Theory
A social psychological theory suggesting that individuals or groups are unfairly blamed for problems or negative events as a means of deflecting attention or responsibility from the actual causes.
Scapegoating
The practice of unfairly blaming a person or group for problems, often as a way of distracting from the real issues.
Puzzle
A problem or game that tests ingenuity, knowledge, or skill and often requires a solution or answer.
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