The "Home Bias" Effect in Global Finance Refers to the Fact

The "home bias" effect in global finance refers to the fact that:

A) The vast majority of banking customers continue to prefer banking with smaller, local credit unions
B) The vast majority of banking institutions opt to establish headquarters outside their home jurisdictions
C) The vast majority of financial assets today remain confined to investments in, and institutions of, their home jurisdictions
D) All of the above
E) None of the above