Bilal explained to the group that his research idea was concerned with understanding the decision-making processes associated with mortgage applications and loan advances. His briefing to the three other group members, and the questions that they asked him, considered aspects to go narrower in understanding the issue. The group then moved on to generate a number of more specific research ideas. After that, Bilal had a second cycle with the whole group. a. What is the purpose of the discussion between Bilal and his friends? b. What kind of technique did Bilal follow for his purpose? Accordingly, list the steps of this technique. c. Suggest a proper research question for Bilal. d. What should be the next step of Bilal after that