When documenting a direct quotation, using APA, for a source with one author, which is correct?

Select one:

A$.$ Sanders $(2008)$ explains that economic woes are due to "the mortgage crisis and poor risk assessment $(20)."$

B$.$ Sanders $(2008)$ explains that economic woes are due to "the mortgage crisis and poor risk assessment" $($p$.20).$

C$.$ Sanders explains that economic woes are due to "the mortgage crisis and poor risk assessment" $(2008,$ p$.20).$

D$.$ Sanders explains that economic woes are due to "the mortgage crisis and poor risk assessment $(2008,$ p$.20)".$

Clear my choice