Suppose Banks Allow Some of Their Excess Reserves to Remain

Multiple Choice

Suppose banks allow some of their excess reserves to remain in the vault.How will this affect the simple money multiplier and the actual money multiplier?  

A)  The simple money multiplier will exceed the actual money multiplier. 
B)  The simple money multiplier will understate the actual money multiplier. 
C)  The actual money multiplier and the simple money multiplier will be equal. 
D)  The simple money multiplier and the actual money multiplier will be unrelated.