How Did Killinger Revolutionize the Thrift Industry and Make Washington

How did Killinger revolutionize the thrift industry and make Washington Mutual "more retail than banking"?

A) A lesser range of debt instruments was offered than at traditional thrifts.
B) Credit was granted to people who would not typically qualify for it.
C) More commercial loans were made than at traditional thrifts.
D) Larger loans were emphasized but were made only to those who could afford them.