As DIs Made a Shift from an "Originate-To-Hold" Banking Model

As DIs made a shift from an "originate-to-hold" banking model to an "originate-to-distribute" model over the last decade,

A) banks became more financially stable.
B) it became easier to measure the riskiness of individual loans.
C) there was a dramatic increase in systematic risk of the financial system.
D) the Federal Reserve decreased the number of services that banks could provide.