<p>(93)XXXXXXX 4th XXXXXIn the country of Veltria, the past two years&rsquo; broad economic recession has<br />
included a business downturn in the clothing trade, where sales are down by about<br />
7 percent as compared to two years ago. Clothing wholesalers have found, however,<br />
that the proportion of credit extended to retailers that was paid off on time fell<br />
sharply in the first year of the recession but returned to its prerecession level in<br />
the second year.<br />
Which of the following, if true, most helps to explain the change between the first<br />
and the second year of the recession in the proportion of credit not paid off on<br />
time?</p>
