Universal Banks Were/are

Universal banks were/are:

A) commercial banks operating in the U.S. prior to 1980.
B) financial institutions outside of the U.S. that can engage in deposit taking, making loans, brokerage activities, securities underwriting, and offering insurance services.
C) investment banks operating in the U.S. prior to 1980.
D) commercial banks that can also sell universal life insurance policies.
E) none of the above.