The company wants to start transferring funds to their other banks in order to reduce the opportunity costs of idle funds. As they consider which transfer method to use, which of the following factors would decrease the minimum transfer amount to justify using the wire transfer method?

	a.	Decrease in the cost of a wire
	b.	Decrease in the opportunity cost of funds
	c.	Decrease in the cost of an ACH
	d.	Increase in the cost of a wire