12) Which of the following statements is consistent with the textbook's analysis of the use of checks? Banks no longer retrun canceled checks to their customers; instead they are scanned and can be viewed on the bank's website. Free checking is seldom free because of the various fees that customers often pay. The share of checks in noncash transactions has fallen sharply since 2000... All of the above None of the above 13) Since 1990, the growth rate of M2 seems to have stopped being a useful tool for predicting inflation. What explanations does the book offer foe this change? A. The relationship between M2 and inflation applies only at high levels of inflation. B. M1 has become a better predictor of inflation because of the financial crisis. C. We need a new measure of money that takes into account recent changes in the way we make payments and use money. A only B only C only A, B and C A and C but not B