A writer for the Wall Street Journal discussing the relatively poor performance of HSBC, a global bank with headquarters in the United Kingdom, noted that: "[The poor performance] is further reason to ask whether the structure of such a large, global bank is working against it... There remains a legitimate question whether the group is too big to manage." Reading this article, a student remarks: "It seems that firm is suffering from diminishing returns." Source: Paul J. Davies, "HSBC Shows the Diminished Value of Global Banks," Wall Street Journal, February 23, 2015. Briefly explain whether you agree with this remark. O A. Agree, because the article is describing the long run. O B. Agree, because the minimum efficient scale for banks is smaller. O C. Disagree, because the article is describing diseconomies of scale. O D. Disagree, because the size of the bank is fixed in the long run