Which of the following are reasons why the Federal Reserve decided to build its own system for real-time, general-purpose payments to supplement the Real-Time Payments (RTP) system introduced by The Clearing House in 2017? (August 2019 Economist article) 1. Some competition among fast payments systems is needed to ensure low prices and high quality. 2. TCH's system is unlikely to provide all small banks with access to faster payments. 3. Having only one fast payments system increases vulnerability to a breakdown. A. 1 and 2 B. 1 and 3 C. 2 and 3 D. 1, 2, and 3