Which of the Following Is a Reason That the Number

Which of the following is a reason that the number of bank failures has generally decreased over time?

A) Banks have been replaced by savings and loan associations.
B) The overall riskiness of bank loans has decreased.
C) The Federal Reserve stands ready to inject reserves into the banking system.
D) All banks have been in good financial health.
E) Banks hold most of their assets in the form of reserves.