13. Consider a banking system with the following characteristics: the reserve requirement is 8%, banks initially hold no excess reserves, and the public holds no currency, only deposits. If the central bank implements a policy change and certain events occur, which statement (s) of the follows are true? (A) If a depositor withdraws $400 from their bank account, the banking system's reserves will decrease by $32. (B) The money multiplier in this system is 12.5. (C) An increase in the reserve requirement to 10% will decrease the money multiplier to 10. (D) If banks decide to hold 4% of their deposits as excess reserves in addition to the reserve requirement, the money multiplier will decrease to 6.67.