Balance inquiry. Reads one DB2 row. Average response time: 30ms. Working storage: 150 KB. 2. **XFER** — Fund transfer. Reads 2 DB2 rows, writes 3 DB2 rows, writes 1 audit record. Average response time: 80ms. Working storage: 300 KB. 3. **STMT** — Statement generation. Reads 50–500 DB2 rows. Average