A bank will increase their money supply when they offer a loan to it's customers. This is because the bank will charge a fee, called an interest when the borrower returns the money. The bank may have preset installments on which the borrower may pay back with corresponding interest rates.
Typically, the lower the interest rates the longer the period for returning the money is. This is more attractive to the borrower since paying back smaller amounts is manageable with lower fees. This method, however, collects more money in the end in favor of the bank.
By making more loans available the bank is able to make more money.
I believe that the answer is “ they aren’t sufficiently brief” because the irony is that he’s expected to make brief summaries so since they aren’t brief then that’s irony.
I would go with use direct quotations. Because while the other options will help you to gain a range of research it won't necessarily help to ensure it is accurate. If you use direct quotations you can be sure that your research is accurate as it is from a primary source. Hope I helped.