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Customers arrive at a bank at an average rate of 40 per hour (Poisson), while a clerk can provide service at a rate of 10 per hour

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Customers arrive at a bank at an average rate of 40 per hour (Poisson), while a clerk can provide service at a rate of 10 per hour. If the cost of a clerk is $18 per hour and customer waiting time represents a cost of $15 per hour, what is the minimum number of clerks needed in the system to be stable?