Which of the following completes the argument against deregulation of U. S. banks that began with the phrase: "if banks competed to pay higher rates of interest"? a. they might also compete to make riskier loans, potentially imperiling the safety of the banking system. b. they might also compete to make less riskier loans, potentially imperiling the U. S consumer's reliance on credit. c. they will end up playing a large role in setting the regulations that they will follow.