Canadians Have Loaded Up on Debt to Historic Levels; Per

Canadians have loaded up on debt to historic levels; per capita debt is over 165 percent of disposable income, mirroring that of the United States prior to the subprime financial crisis.The primary cause for this is

A) the historically low interest rates the Bank of Canada has maintained to speed up recovery following the "Great Recession."
B) the reduced regulations around borrowing in Canada.
C) all-time high levels of disposable income.
D) the availability of government securities, like Canada Savings Bonds.
E) falling incomes of the middle class.