What is the key difference between the change in management from banks in relation to their sources of funds before 1980s and after 1980s. O Instead of managing their own funding to meet loan demand, banks will now lend out based on the amount of deposits they have. Instead of lending out based on the amount of deposits, banks will now actively manage their sources of funds to meet the loan demand Banks will now use a person's annual income in order to assess their borrowing capacity, instead of looking at their assets Banks will now use a person's total asset in order to assess their borrowing capacity, instead of looking at their annual income