A network externality occurs when
A) there is production cost savings from being networked with suppliers.
B) there is production cost savings from being networked with buyers.
C) the usefulness of a good is affected by how many others use the good.
D) the usefulness of a good is affected by celebrities who use the good.
Suppose you deposit $4,000 in currency into your checking account at Bank of
America. Assume that Bank of America has no excess reserves at the time you make
your deposit and that the required reserve ratio is 10 percent.
a. Use a T-account to show the initial effect of this transaction on Bank of America’s
balance sheet.
b. Suppose that Bank of America makes the maximum loan they can from the funds you
deposited. Use a T-account to show the initial effect on Bank of America’s balance sheet
from granting the loan. Also include in this T-account the transaction from question (a.).
c. Now suppose that whoever took out the loan in question (b) writes a check for this
amount and that the person receiving the check deposits it in Bank of Boston. Show the
effect of these transactions on the balance sheet of Bank of America and Bank of
Boston, after the check has been cleared. On the T-account for Bank of America,
include the transactions from questions (a) and (b).
d. What is the maximum increase in checking account deposits that can result from your
$4,000 deposit? What is the maximum increase in the money supply? Explain.