What Role Did the Credit-Rating Agencies Play Leading Up to the Start

What role did the credit-rating agencies play leading up to the start of the financial crisis in 2007?

A) Inaccurate ratings provided by credit-rating agencies helped promote risk taking throughout the financial system.
B) The credit-rating agencies were the first to see signs of trouble, and they developed more stringent standards as the housing bubble evolved.
C) Solid ratings provided by credit-rating agencies helped limit risk taking throughout the financial system.
D) The credit-rating agencies were largely uninvolved with the financial crisis.