Which of the following did NOT directly contribute to the 2007-2009 Financial Crisis in the U.S.? OA. Housing bubbles. OB. Lower and even unethical lending standards and practices in the years preceding the crisis by the financial institutions. OC. Shift from "originate and hold" to "originate and distribute" business models for many financial institutions. OD. Decline in share of depository institutions and insurance companies OE. Inadequate, improper, and incomplete risk management by many financial institutions