12. Suppose the allocation of loan portfolios to different market sections by all banks in the county, Bank A, and Bank B is given as follows: Sectors All Banks in the Country Bank A Bank B C&I 25% 10% 20% Real Estate 35% 40% 25% Consumer 30% 15% 40% Others 10% % 15% a) Calculate how much each bank's portfolio deviates from the national average. (4 points) b) Should a bank always adjust its portfolio to replicate the national average? Why or why not? (4 points)