The Federal Sentencing Guidelines for Organizations (FSGO) _____. a. encourages but does not require the firm's board, top management, and high-level personnel exercise reasonable oversight of standards and procedures b. encourages companies to assess their key risk areas and use a standard compliance program to address these risks and satisfy key effectiveness criteria c. discourages companies from assessing their key risk areas and customizing a compliance program to address these risks and satisfy key effectiveness criteria d. encourages companies to assess their key risk areas and customize a compliance program to address these risks and satisfy key effectiveness criteria