If a bank has a reserve ratio of 8 percent, then a.
Government regulation requires the bank to use at least 8 percent of its deposits to make loans.
b.
the bank’s ratio of loans to deposits is 8 percent.
c.
The bank keeps 8 percent of its deposits as reserves and loans out the rest.
d.
the bank keeps 8 percent of its assets as reserves and loans out the rest.

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Explanation:

the red coloration of the lungs looks alarming and adds to the overall message that the flu is threatening apex

the present continuous is a verb tense which is mainly used to indicates that an action is in progress at the moment of speaking.  

it is formed using: person + verb to be (am/is/are) +verb + - ing form  

example: i am studying at this moment .

in addition, the present continuous is also used in order to express things that will or will not happen in the near future.

example: i am having dinner with some friends tonight.

the speaker sometimes   uses it   to express that an action is repeated and it causes irritation on the part of the speaker

example: my sister is constantly complaining about everything.