[Solved] Some spam can simply be an unwanted advertisement. Under what circumstance can spam become a crime? A) when it causes emotional distress to a victim B) when it involves pornography C) when it causes serious harm to a computer or network D) when it involves an organized group of spammers Short-Term Loans: Loans that are scheduled to be repaid in less than a year. Reserves: Funds or commodities set aside for future use or to meet unforeseen contingencies, often related to banks or natural resources. Money Creation: The process by which the money supply of a country, or of an economic or monetary region, is increased. Depository Institutions: Financial institutions that accept deposits from individuals and provide loans, such as banks and credit unions.