19. Over the past 10 years, a bank has experienced the following loan losses on its C\&I loans, consumer loans, and total loan portfolio. Using regression analysis on these historical loan losses, the bank has estimated the following: XC=0.002+0.8XLandXh=0.003+1.8XL where XC= loss rate in the commercial sector, Xh= loss rate in the consumer (household) sector, and XL= loss rate for its total loan portfolio. a. If the bank's total loan loss rates increase to 10 percent, what are the expected loss rate increases in the commercial and consumer sectors? b. In which sector should the bank limit its loans and why