29. Why have banks moved toward unbundling services, allocating costs across products and pricing each product individually? Select one: a. Removal of interest rate ceilings on deposits has caused net interest margins to increase. b. Regulators require it in order to make each product stand-along for the FCA c. Required reserves have declined on many bank products. d. The Tax Reform Act of 1986 eliminated the benefits of bundling products together. e. Bank customers often selectively purchase single products from different banks.