Joe is a manager in the Birmingham office of a large accounting firm and the firm is considering assigning him to the audit of a large bank. In which of the following situations would the firms independence most likely be impaired with respect to this bank?

Group of answer choices

Joe has a fairly small investment in a diversified mutual fund that owns shares in the bank.

Joe has a home mortgage loan from the bank on which he has been paying for ten years, prior to his joining the firm, and his payments are current.

Joes firm sponsors a retirement plan that owns shares in the bank.

all of the above.