Which of the following is most true. As an outcome of their contribution to the GFC

a. Predominantly members of the rating agencies have faced criminal charges and are now serving long-term jail sentences.

b. Predominantly members of the investment banking industry have faced criminal charges and are now serving long-term jail sentences.

c. Members of both the rating agency industry and the investment banking industry have faced criminal charges and are serving longterm jail sentences.

d. No financial executive in the financial industry has faced criminal charges following the GFC.