A banker is analyzing a company which operates in the automotive industry. Which of the following will likely be the banker's most important consideration in determining whether the company should receive a loan?

	a.	The automotive industry suffers from political pressures concerning environmental regulation of products.
	b.	Inflation has been consistently high for several years.
	c.	The company has a large amount of interest payments related to other outstanding loans.
	d.	The company has state-of-the-art automated equipment which enhances the efficiency of its operating process.