He collapse of lehman brothers in 2008 and the impact of the global financial crisis made it difficult for australian banks to obtain off-shore funding. as a consequence, banks pursued more stable sources of funds. these strategies include: a. increased use of wholesale long-term funding. b. decreased use of wholesale long-term funding. c. decreased holdings of liquid assets. d. decreased use of wholesale long-term funding and increased holdings of liquid assets.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

press the paper clip and attach a file!

answer///a road map;