20 (2 points) Key ingredients to generate asset bubbles include: (a) Leverage (b) Herding (c) Vigilant government oversight of the financial sector (d) Both (a) & (b) Question 21 (2 points) The "too big to fail" mentality leads to: Excessively risky behavior on part of large banks, insurance comp manufacturers O Corporations becoming reliant on lobbying politicians to achieve than sound business practices Political misuse and corruption of regulation and regulatory agen All of the above