76. All senior officers of ABC Bank are entitled to obtain a housing loan. X is an Executive Vice President for Operations of ABC Bank. She obtained a housing loan with the ABC Bank. Which statement is most accurate? a. The housing loan of X requires a guarantor from somebody who is not connected with the bank. b. The housing loan of X requires the approval of the Board of Directors of the bank. c. The housing loan of X, being a benefit for employees, does not require (a) but will require (b). cl. The housing loan of X, being a benefit for employees, will not require (a) and (b)