Read the following scenario and answer the question that follows: Hof Gredlay Bank has a 15 percent capital ratio and uses a significant proportion of its assets to invest in very highly- rated bonds. Glow Bank has a 13 percent capital ratio and uses a significant proportion of its assets to invest in highly leveraged transactions. Question: How would you rate the Gredlay Bank versus Glow Bank using the capital and asset quality criteria? Give a logical argument to support your view