1.We saw in Chapter 12 that initially savings and loans were created to make home mortgages, and their main source of funds was deposits from savers. In the late 1970's and into the 1980's, the U.S. experienced rising interest rates that had depositors looking for higher returns. Congress quickly removed the interest rate ceilings that savings and loans could offer. Explain the initial impact this had on the interest rate spread and the net interest margin for the savings and loans.