Bankruptcy is a process that depends on a variety of structural, fiscal, and human variables. These variables are different at every company. Therefore, the pattern of companies declaring bankruptcy should be random. Yet tax records from 2010 demonstrate a pattern: a large number of companies throughout the United States declared bankruptcy at the same time.

Which of the following, if true, forms the best basis for at least a partial explanation for the pattern of bankruptcy shown by the tax records?

A:Certain financial problems affect only some types of businesses with particular sets of characteristics unique to their industry.

B:Many companies go bankrupt because the economies of the states in which they are located force them to go into gradual but increasing debt.

C:Companies without franchises in more than one country are more likely to declare bankruptcy.

D:From 2005-2015, government loans and intervention changed the pattern of bankruptcy in the United States.

E:Patterns of bankruptcy emerge when widespread economic issues affect numerous companies.