Improved technology allows to create more goods and to increase the efficiency of providing services (answer d.) and this is they way that it increases standards of living. If there are more goods and services then more people have an access to them.
The statement that non-critical thinkers generally adopt beliefs without thoughtful scrutiny or rigorous evaluation, letting these beliefs drift into their thinking for all sorts of superficial and illogical reasons is true.
Critical thinkers on the other hand analyze and evaluate all the available information, develop their own well-reasoned beliefs, and recognize when they don't have sufficient information to arrive at well-reasoned beliefs.
Answer:
Because housing prices were rising at a very rapid rate during these years.