PLEASE ANSWER WITH 100% CORRECT ANSWER ASAP

Unions have been in decline since the 1960s because of

A. foreign competition.

B. Americans finding union jobs to be too difficult.

C. the move of businesses to more expensive areas of the nation.

D. unions shutting themselves down because they achieved most of their original goals.

When a bank evaluates a person for a loan, what does the word "capacity" refer to?

A. The willingness to repay debts

B. Property that can be pledged to protect the lender

C. The ability to make payments on time

D. The amount of the loan in question