The Federal Reserve can increase_
which makes banks more selective
when loaning out money

answer; i believe the correct answer is norming;

what is the answer

the secretary of defense is the principal defense policy advisor to the president. under the direction of the president, the secretary exercises authority, direction, and control over the department of defense.

as you did not provide any choices for me to choose from to give you a direct answer, this is the only information i can provide.