The following extract is from Section 22 of the Financial Intelligence Centre Amendment Act No. 1 of 2017: 22A. (1) An accountable institution must keep a record of every transaction, whether the transaction is a single transaction or concluded in the course of a business relationship which that accountable institution has with the client, that are reasonably necessary to enable that transaction to be readily reconstructed. (2) Without limiting subsection (1), records must reflect the following information: (a) The amount involved and the currency in which it was denominated; (b) The date on which the transaction was concluded; (c) The parties to the transaction; (d) The nature of the transaction; (e) Business correspondence; and (f) If an accountable institution provides account facilities to its clients, the identifying particulars of all accounts and the account files at the accountable institution that are related to the transaction. What are two key risk drivers that can be derived from the above extract? Select more than one: a) Having a large client base means that very large amounts of data need to be stored, most likely electronically. b) A client transfers money to an organisation with a name not recognisable by the financial institution. c) Reproducing large amounts of data can lead to inconsistencies or mistakes. d) Clients may not properly disclose their businesses' usual day-to-day transactions