Pillar 1 provides guidance for I. Three approaches to credit risk.

II. Three approaches to operational risk.

III. Market risk VaR.

IV. A minimum capital ratio of 8 percent.

V. Liquidity risk ratios.

a. I only

b. I and II only

c. I, II, and III only

d. I, II, III, and IV only

e. All of the above