Which of the following statements best describes how the U.S. recession is affecting other countries?

a.	The US recession appears to be having no effect on the financial well-being of other countries.
b.	Due to the loss of income from foreclosed homes, like the U.S., citizens in other countries are having trouble getting loans for home or personal use.
c.	While citizens are having trouble getting loans from American banks due to the U.S. recession, local banks are eating up the customers with more accessible loans.
d.	Since lenders are not as willing to lend in the U.S., they are more willing to lend to citizens of other countries. Borrowers are finding it very easy to get approved for loans overseas.