19-1. The most common cause(s) of financial problems are: O a. undercapitalization. O b. inadequate expense control. O c. credit terms. O d. all of the above. 19-2. The steps in financial planning are: O a. forecasting financial needs and developing budgets to meet those needs. O b.identifying sources of financing. O c. establishing financial controls to ensure the company is following the financial plans. O d. A&C