mortgage foreclosures, a credit contraction, a leftward shift in the demand for labor, and a strong drop in consumption b. mortgage foreclosures, a credit expansion, a leftward shift in the demand for labor, and a strong drop in consumption c. mortgage foreclosures, a credit contraction, a rightward shift in the demand for labor, and an increase in consumption d. mortgage foreclosures, a credit expansion, a rightward shift in the demand for labor, and an increase in consumption