Explain the consumers have a high debt-to-income ratio, Operation Management

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In the U.S., consumer expenditures on homes and other large purchases tend to slow down during a recession because

a. of steady supply of loanable funds in the economy during recession

b. the consumers have a high debt-to-income ratio

c. of stringent credit policies adopted by the Fed before the onset of recession

d. consumer borrowing increases during recession

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