In the fall out from the $2008$ financial crisis, a credit union is squeezed financially. In order to improve its margins, the credit union increases lending rates on their mortgage secured lines of credit. This is well within their legal rights and many of the large banks are employing similar practices.

However, a significant number of members are outraged, vocally express their dissatisfaction, and demand that the increase be rolled back. What does the credit union do$?$

a$.$ The credit union decides to only raise rates on accounts with residential lines of credit greater than $$200,000,$ which affects far fewer members but still brings$-$in much needed revenue

b$.$ With no other alternative, the credit union sticks to its decision.

c$.$ None of the above

d$.$ After hearing from many upset members the credit union decides to reverse its decision and sets the rates back to where they were originally.