Moral hazard and adverse selection problems increased in prominence in the $1980$s

Seleccione una:

a$.$ because of all of these.

b$.$ because of only as deregulation opened up more avenues for savings and loans and mutual savings banks to take on more risk and following a burst of financial innovation in the $1970$s and early $1980$s that produced new financial instruments and markets, thereby widening the scope for risk taking of these.

c$.$ as deregulation opened up more avenues for savings and loans and mutual savings banks to take on more risk.

d$.$ following a burst of financial innovation in the $1970$ s and early $1980$ s that produced new financial instruments and markets, thereby widening the scope for risk taking.

e$.$ following a decrease in federal deposit insurance from $$100,000$ to $$40,000.$