Question 33 (1 point) Which of the following changes have occurred in banking because of deregulation? 1) Large business firms have increased their reliance on bank loans. 2) Banks can now make whatever profits they can manage. 3) Banks are providing a narrower and more highly focused array of financial products to their customers than they did before deregulation. 4) Banks have increased the training given to employees. Question 35 (1 point) Which of the following is correct regarding credit cards? 1) They are a store of value. 2) They are not a money substitute. 3) They are a permanent medium of exchange. 4) They are often referred to as "plastic money