What does ''tengo una carpeta de argollas'' mean in english

What happens when a bank is required to hold more money in reserve?

Lupe derecho en la universidad. a. va a estudiar b. vas a estudiar c. voy a estudiar d. vamos a estudiar

¡te toca a ti! (it's your turn! ) write a short paragraph in spanish about what a maid does at a hotel. tell what she/he does to clean the room and bathroom. ( don't use too complexe words ) it's for spanish 2.