Select one:

a$.$ A major advantage of discriminant models to assess the credit risk of a customer is the stability of the coefficient weights over time.

b$.$ The expected return on a loan is equal to the promised gross return on a loan.

c$.$ The amount of security or collateral on a loan and the interest rate or risk premium on a loan normally are negatively related.

d$.$ The linear probability model is a qualitative credit risk model.

e$.$ None of the other statements is correct.