Which of the following will reduce the deposit creation ability of the banking system?
(1) An increase in the use of credit cards by the public
(2) An increase in the amount of cash held by the public
(3) An increase in the legal reserve requirement for banks
A. (1) and (2) only
B. (1) and (3) only
C. (2) and (3) only
D. (1), (2) and (3)