QUESTION 18 (Bonus Question) Which of the following is NOT a problem (ie, weakness) in using discriminant analysis to evaluate credit risk? (Hint: This question relates to Chapter 10 Credit Risk). A. It does not consider gradations of default. B. The weights in the discriminant function are assumed to be constant over time. C. It is not easy to include hard-to-quantify factors. D. Data on loan specific information of banks are rarely readily available E. None of the above