7. Which of the following statement(s) is(are) true with respect to the pricing loan model?

Select one or more: a. The collateral affects the promised loan returns. b. Banks will charge floating loan rates under Cap Rate Model. c. The most challenge of the Cost-Plus Loan Pricing model is to identify the non-fund operating costs. d. Banks can use the funds of compensating balance requirements to finance their loans. e. None of the above.