Which of the following is NOT a cause of the 2008 banking crisis?

	a.	Venture capitalists over-invested in risky tech companies
	b.	Congress pressuring banks to make risky loans
	c.	The Fed and SEC failed to issue sufficient warnings
	d.	People borrowing money they couldn't reasonably hope to repay
	e.	Fed kept the cost of borrowing too low

Which of the following is NOT one of the three most common ways for a firm to fail financially?

	a.	Poor control over cash flow
	b.	Get caught for unethical accounting practices
	c.	Inadequate expense control
	d.	Undercapitalization