Which of the following is true concerning fractional reserve banking in the U.S.? a. Nationally chartered banks are allowed to decide their own reserve ratios b. Only a portion of total bank loans outstanding are secured by money on deposit c. State-chartered banks cannot create credit when making loans to qualified customers d. Each of these answers is correct Which of the following statements is true concerning non-depository intermediaries? Select one: a. In aggregate, they loan considerably less money than the nation's depository intermediaries b. They are prevented by law from making business loans, since they are not commercial banks c. They cannot make home mortgage loans, since these loans are considered too risky d. None of these answers are correct