The implementation of BIS capital requirements may be expected to:A$.$ increase the downward trend in loan sales because of higher required capital levelsB. increase the downward trend in loan sales because of the use of risk$-$adjusted assetsC. decrease the downward trend in loan sales because of the use of risk$-$adjusted assets and because of higher required capitalD. decrease the downward trend in loan sales because of the use of risk$-$adjusted assets and because of lower required capital levels