Question $21(1$ point$)$

Answer the question on the basis of the following table for a commercial bank or thrift:

$\backslash$table$[[,$Reserve Requirement $(\%),$Checkable Deposits,$\backslash$table$[[$Actual$],[$Reserves$]],\backslash$table$[[$Excess$],[$Reserves$]]],[(1),$w$,$$$100,000,$$$10,000,$$$0],[(2),8,$X$,20,000,12,000],[(3),12,200,000,$Y$,8,000],[(4),20,300,000,70,000,$z$]]$

Refer to row $3$ in the table. The number appropriate for space $Y$ is:

$$96,000.$

$$32,000,$

$$24,000.$

$$48,000.$