Which of the following is a reason that banks created mortgage-backed securities (mbs) in the 2000s?
a. MBS allowed them to shift much of the risk from lending to investors that purchased the MBS.
b. MBS allowed greater efficiencies, which led to a reduction in systemic risk.
c. MBS allowed them to increase much of the risk from lending to the government that purchased the MBS.
d. MBS decreased profitability throughout the banking sector.