1.)Cash flow is usually defined as:

a.)Total revenues received

b.)Intangible Assets - Depreciation

c.)Net Profits + Net Debt

d.)Net Profits + Noncash Expenses

2.) Some of the CAMELS rating letters are derived from the following concepts except:

a.)Capital Adequacy

b.)Asset Quality

c.)Management Quality

d.)Leverage Composition

e.)Earnings record