In response to a price change for good Y, if the cross-elasticity of demand for good Y is negative, good X and good Y are substitutes

All of the following have contributed to increased use of ATMs EXCEPT:

A) some banks charging customers for services performed by tellers than can be done by ATMs B) some banks closing branches in low-income neighborhoods C) ease by which customers can make use of ATMs to make deposits and withdrawals D) increased use of debit cards for transactions

Which of the following about economic freedom is true?

a. In 1960, the per capita income levels of Hong Kong and Singapore were greater than those of the United States and Canada. b. The economies of Hong Kong and Singapore have grown slowly in recent decades. c. Economic freedom ratings indicate that both Hong Kong and Singapore rank among the world's freest economies. d. Economic freedom ratings indicate that Nigeria and Venezuela rank among the world's freest economies.