Which statements are true about the S&L crisis of the 1980s? 1 - Banking regulators were under pressure to grow the S&L industry. II - The policy of regulatory forbearance improved conditions. III - S&Ls with negative net worth were quickly shut down by regulators. IV - By the end of the crisis, the total cost taxpayers was about 3% of GDP. I, II, and Ill only I and IV only I and II only O I, III, II, IV O II and IV only