How does the Basel 3 Accord attempt to address the shortfalls of the Basel and Basel 2 Accords? (Check all that apply.) A. Increasing the quality of capital requirements for financial institutions. B. Ensuring that the final documentation for Basel 3 is complex and as detailed as possible. C. Establishing new rules on the use of credit ratings. D. Requiring financial institutions to have more stable funding. E. Allocating assets and off-balance sheets activities into four main categories