QUESTION 3 Another method that may be employed by banks to lower required reserves is to A rely more heavily on zero explicit interest-rate deposits. B.transfer deposits to another domestic bank on Friday and transfer them back on the following Monday. C.delay posting deposits made on Friday until the following Monday. D. do nothing, because reserve requirements cannot be avoided. E sweep demand deposits into higher interest-bearing accounts on Friday with a return sweep the following Monday, QUESTION 4 Demand deposits A have less withdrawal risk than money market demand accounts. B. have the same amount of withdrawal risk as interest-bearing transaction accounts. Chave more withdrawal risk than money market demand accounts. D. have less withdrawal risk than interest-bearing transaction accounts. E. have the same amount of withdrawal risk as money market demand accounts