"Companies were guilty of unwise lending practices" and "<span>The Federal government was guilty of poor policies" are both correct since there was lots of "loose lending" that allowed people who weren't prepared to purchase homes.</span>
I think its A simple existence
The correct answer for the question that is being presented above is this one: <span>During World War I, General John J. Pershing, commander of the American Expeditionary Forces, recommended upgrading NCO leadership training, and provided non-commissioned officers (NCOs) with separate mess facilities. </span>