(13) Assume we are interested in estimating the following regression. Vt = B1 + B2xit + B3xz+ + B3x3+ + ut However, we wanted to check for multicollinearity and run the below regression. Xit = a1 + a2x2+ + a3x3+ + et We find that R-Square = 0.65. Based on this we can argue that: Select one: a. VIF=1.18 and there is no multicollinearity b. VIF=2.86 and there is no multicollinearity O c. VIF=12.5 and there is multicollinearity "d. VIF=1.82 and there is multicollinearity