Why are banks able to maintain reserves that are only a fraction of the demand and saving deposits of their customers? Is your money safe in a bank? Why or why not? Suppose you withdraw $100 from your...

Why are banks able to maintain reserves that are only a fraction of the demand and saving deposits of their customers? Is your money safe in a bank? Why or why not?

Suppose you withdraw $100 from your checking account. How does this transaction affect (a) the supply of money, (b) the reserves of your bank, and (c) the excess reserves of your bank?