If People Choose to Hold Some of a Newly Received

If people choose to hold some of a newly received loan as cash instead of keeping it in a checking account,the money supply

A) will not increase as a result of that loan
B) decreases as a result of that loan
C) will not increase as much from that point on as it would if borrowers redeposited all of the money because the cash withdrawal increases excess reserves
D) will not increase as much from that point on as it would if borrowers redeposited all of the money because cash is not included in the money supply
E) will not increase as much from that point on as it would if borrowers redeposited all of the money because the cash withdrawal decreases excess reserves