Commercial banks and thrift institutions
a) differ because thrifts cannot make loans.
b) differ because thrifts cannot offer checkable deposits
c) have become less similar in recent years.
d) have become increasingly similar in recent years.

d) have become increasingly similar in recent years.

Explanation:

Commercial banks -

They are the type of financial institution , which offer account service , accept deposits , offer loan services .

These bank ear their income via providing loan and earning from the interests .

Similarly are the Thrift institution ,

They are also the type of financial institutions , and have the majority of the funds from the public savings .

And in the recent times , both Commercial banks  and Thrift institutions are becoming almost the same .

answer; i believe the correct answer is (4.0);