Former social ceremonies that used to mark adolescence have given place to _______.

A．The current banking law must be interpreted by the Supreme Court to be useful to today’s banks.
B．Although there are currently many bank failures, the nature of banking has not really changed that much.
C．Money-center banks currently have too much power as compared with the regional banks.
D．Because current laws are not responsive to contemporary banking needs, banks have been forced to take needless and dangerous risks.

A．gradual, so that regional banks have a chance to compete with larger banks
B．postponed, until the consequences can be evaluated
C．immediate, because we cannot afford any more bank failures
D．accelerated, to overcome legislative fear