Which of the following financial intermediaries receive funds from depositors and use these funds to make business, consumer, and home loans? a. Depository intermediaries b. Contractual intermediaries c. Investment intermediaries d. None of these answers is correct The U.S. savings-and-loan crisis was primarily the result of: Select one: a. Excessive regulation of the savings-and-loan industry b. Negative lending spreads due to rising market interest rates c. Laws preventing savings-and-loans from investing in derivative securities d. The collapse of the U.S. stock and bond markets