We discussed the accomplices in the credit/financial crisis and the bubble in the housing market. Which of the following statements is Not True? Select one: a. Mortgage originators used lax lending standards to increase their underwriting profits. O b. Many home buyers thought of refinancing or making a quick and easy profit after house prices continue rising in a few years Oc. To "cooperate with the mortgage originators, appraisers inflated the home valuations. d. Rating agencies fairly recognized the inherent risk in the structured products, Oe. Willingly trusting the rating agencies, investors feasted on the high promised returns from the structured products