I need help with these 3 small multiple choice questions.

1.The following monetary policy actions could increase money supply and lower market interest rates, EXCEPT:  Question options:

- An increase in reserve requirements. 

- A decrease in discount rates. 

- An expansionary open market operation.  2.The following are some of the possible contributing factors leading to the US financial crisis of 2008, EXCEPT:  Question options: - Sudden changes on FED discount rate policies around early 2000's- Innovations in the banking and financial sector, like derivaties.  - Increase in restrictions on commercial banks that reduced the amount of subprime lending available. 3. Based on the total money multiplier effect of banking operations, the following factors could lead to an expansion of total bank deposits, EXCEPT: Questions Options: - Increase in no-borrowed bank reserves. - Increase in excess reserves - Decrease in reserve requirements.