unions have been in decline since the 1960s because of  a. unions shutting themselves down because they achieved most of their original goals.  b. the move of businesses to more expensive areas of the nation.  c. americans finding union jobs to be too difficult.  d. foreign competition. student a    incorrectreference: section 2.816.    when a bank evaluates a person for a loan, what does the word "capacity" refer to?   a. property that can be pledged to protect the lender  b. the willingness to repay debts  c. the amount of the loan in question  d. the ability to make payments on timestudent b    incorrectreference: section 2.318.    which federal agency insures savings deposits?   a. the consumer product safety commission  b. the securities and exchange commission  c. the savings deposit agency  d. the federal deposit insurance corporationstudent c    incorrect