Lamar is a salesperson for bi-state direct. he really appreciates the amount of freedom and authority bi-state gives its sales people in order to better meet the needs of customers. lamar's experience suggests that bi-state practices:

Fractional reserve banking which of the following statements about fractional reserve banking are correct? check all that apply. fractional reserve banking allows banks to create money through the lending process. fractional reserve banking does not allow banks to hold excess reserves. fractional reserve banking allows banks to create additional wealth by lending some reserves. fractional reserve banking relies on everyone not withdrawing their money at the same time.