One factor contributing to the decline in cost advantages that banks once had is the

One factor contributing to the decline in cost advantages that banks once had is the
A) decline in the importance of checkable deposits from over 40 percent of banks' liabilities to 15 percent today.
B) decline in the importance of checkable deposits from over 60 percent of banks' liabilities to 2 percent today.
C) decline in the importance of savings deposits from over 60 percent of banks' liabilities to under 15 percent today.
D) decline in the importance of savings deposits from over 40 percent of banks' liabilities to under 20 percent today.