Which of the following is true of the credit crunch that occured in the U.S. economy in the early 1990s?

	a.	The main reason behind the credit crunch was the dramatic decline in housing prices.
	b.	The government bailed out many of the financial firms that were affected by the credit crunch.
	c.	The credit crunch affected only big business firms.
	d.	Small business firms that were unable to obtain bank loans were most affected during the credit crunch.