It can be difficult for fiscal policy to influence the economy in the way the government hopes it will. All of the following are reasons for this EXCEPT:

Banks’ lending decisions are part of how monetary policy affects the economy, not a delay specific to fiscal policy. The other choices describe common fiscal-policy delays: recognizing a problem, passing tax or spending measures through Congress, and having economic conditions change before the policy takes effect. So the statement about banks not lending quickly enough is the exception.

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