hello i need help with these macroeconomics questions

Which of the following is a situation of moral hazard created by the existence of the CDIC? O A. The CDIC seeks to include those financial institutions that practise low-risk loans. O B. Financial institutions seeking the protection of the CDIC are able to "hide" their poor practices. O C. The CDIC regulates banks that do not promote the morals of today's society. O D. Financial institutions with CDIC protection use depositors' funds in riskier investment projects.A decrease in the desired reserve ratio causes the: O A. amount of excess reserves to increase. O B. amount of required reserves to increase. O C. amount of total reserves to increase. O D. amount of total reserves to decrease.Financial intermediaries: Next question O A. transfer funds from savers to investors. O B. is another term for the central banks in a country. O C. print money. O D. include the Bank of Canada and chartered banks but do not include savings and loans or stockbrokers.Which of the following statements is true concerning a fractional reserve banking system? O A. By law banks must loan out a fraction of the deposits they receive. O B. In this system a fraction of the banks receive deposits and the remaining fraction make loans. O C. A fractional reserve banking system is only operational when gold and silver are used as currency. O D. Banks maintain a fraction of deposits on hand to meet the daily needs of their customers.Increases in output and increases in the inflation rate have been linked to: O A. higher rates of interest. O B. discretionary tax policy. O C. discretionary government spending. O D. increases in the money supply.Fractional reserve banking systems: O A. originated more than 1,000 years ago. O B. are prone to bank runs if depositors fear the status of a bank's solvency. O C. do not keep 100% of deposits as reserves. O D. are characterized by all of the above