The DEAR of HTBS Bank's trading portfolio is estimated as $20 million at 1-percent adverse market movement scenario. This means: Select one: a. there is a 1% probability that the bank will lose $20 million or less over the next day b. there is a 1% probability that the bank will lose exactly $20 million over the next day c. there is a 1% probability that the bank will lose $20 million or more over the next year d. there is a 1% probability that the bank will lose $20 million or more over the next day e. there is a 1% probability that the bank will lose $20 million or less over the next day