Assume an organization's debt-to-equity ratio is less than 1.0. Which of the following statements is(are) most correct? The organization's creditors have provided less than $1 in capital per dollar of equity capital.

a-The organization has more equity than debt in its capital structure.

b-An increase in the debt-to-equity ratio would increase the riskiness of the creditors' position.

c-Answers (a) and (b) are correct.

d-Answers (a), (b), and (c) are correct