Banks lend money from saving accounts to people who need loans 
        
             
        
        
        
Answer:
Its operating expenses were $ 3.588 B
Explanation:
The operating ratio is the ratio of operating expense to the operating or revenue generated. 
This ratio is used for comparison of results from the operations of various industries.
Given that the operating ratio of 78% and the operating revenue is $4.6B, the operating expense T may be computed as
78% = T/4.6 * 100%
T = 4.6 *.78
= $3.588 B
 
        
             
        
        
        
Answer:
It is good
Explanation: 
Alicia would have an easier time splitting money and saving money towards different goals. Such as putting 40% of your paycheck into savings and splitting the 40% into 10% for each savings account. 
 
        
             
        
        
        
That would be:
B.) Defualt