explain it

Agency costs refer to: 19. (Select the best choice below.) A. The total interest paid to creditors over the lifetime of the firm. O B. The costs of any conflicts of interest between stockholders and management. O C. The costs that result from default and bankruptcy of a firm. O D. The total dividends paid to stockholders over the lifetime of a firm O E. Corporate income subject to double taxation. Using financial information to aid in decision making is called 20. O A. financial analysis O B. factor analysis. O C. managerial economics. O D. quantitative analysis. O E. 'what- if analysis