9. Which of the following is not a criticism against granting commerce companies industrial loan company charters? a. There should be a separation between commerce and banking to protect customers from potential conflicts of interest. b. Firms could become so large and powerful that they might dominate business in many communities. c. Industrial loan companies are not subject to the same regulations as commercial banks. d. All of the above are criticisms against granting commerce companies industrial loan company charters e. a. and b. only