A money manager generates a return of 12% when the benchmark returns 10%. The manager's asset allocation decisions underperform by 25 basis points. According to the BHB model, which is most accurate? a. Asset allocation decisions helped the manager outperform the benchmark. b. Security selection decisions outperform by 225 basis points. c. The manager outperforms the benchmark by 225 basis points. d. The manager excelled in both asset allocation and security selection decisions.