In 2008, Commercial Banks' Share of the U

In 2008, commercial banks' share of the U.S. credit market changed as a result of

A) commercial banks that experienced significant difficulties resulting from real estate investments applied for status as investment banks.
B) investment banks that experienced significant difficulties resulting from real estate investments applied for status as commercial banks.
C) increasing returns on real estate investments led commercial banks to expand.
D) increasing returns on real estate investments led investment banks to expand.