31. A Credit Union is a bank owned by its depositors who are called members and they have something in common. Suppose that the Credit Union member share in common is that most of them work for the oil industry in a particular town in Texas. If the price of oil declines dramatically leading to mass layoffs in the oil industry then we may expect that

	a.	Many Credit Union borrowers may default on their loans
	b.	Many Credit Union depositors may withdraw their savings
	c.	the Credit Union may face insolvency risk
	d.	all of the above