If a fear of increased bankruptcies of firms causes banks to increase

If a fear of increased bankruptcies of firms causes banks to increase their reserve to deposit ratio, then

a. the money supply and money multiplier will rise.
b. the monetary base and the money multiplier will fall.
c. there will be no change in the money multiplier, but the money supply will fall.
d. the money multiplier and the money supply will fall.

ANSWER

D