In Prosperous Times, Commercial Banks Are Likely to Hold Very

In prosperous times, commercial banks are likely to hold very small amounts of excess reserves because

A) the Fed forces commercial banks to increase the money supply during economic expansions.
B) it is very costly to transfer funds between commercial banks and the central banks.
C) Federal Reserve Banks pay lower rates of interest on bank reserves than could be earned by the commercial banks loaning out the reserves.
D) Federal Reserve Banks want to minimize their interest payments on such deposits.