The decrease in the willingness of banks to make loans to home buyers and small business owners have created a downward

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C

D

E

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The decrease in the willingness of banks to make loans to home buyers and small business owners have created a downward economic spiral, as home prices are plummeting, businesses are reluctant to create jobs, and consumers are avoiding nonessential purchases.


(A) have created

(B) are creating

(C) had created

(D) has created

(E) creates


OA D

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