Classify the following events as creating mostly systematic risk or creating mostly unsystematic risk:

a) Oil prices unexpectedly decline.

b) The Federal Reserve increases short-term interest rates.

c) Wyndham Hotels loses a multi-million dollar racial discrimination lawsuit.

d) A U.S. Supreme Court decision substantially broadens manufacturer liability for injuries suffered by product users.

e) JP Morgan Chase has decided to raise the interest rate on short-term borrowing for Chipotle Mexican Grill restaurant chain.