4. Information concerning the allocation of loan portfolios to different market sectors is given below: Allocation of Loan Portfolios in Different sectors (%) Sectors National Bank A Bank B Commercial 30% 60% 15% Consumer 40% 25% 30% Real Estate 30% 55% 15% Bank A and Bank B would like to estimate how much their portfolios deviate from the national average. a) Which bank is further away from the national average? b) is a large standard deviation necessarily bad for a financial institution using this model