In our discussion of the recent financial crisis, which of the following is not true?

		FIs overused short-term debt instruments which were collateralized by repurchase agreements.
		Credit default swaps enabled FIs to reduce the risk of running out of cash due to loan defaults.
		Securitization created additional income for FIs however, it greatly relaxed the lending standards.
		FIs used asset backed commercial paper which were collateralized by mortgage-backed securities.
		All of the above are true.