Question 23 (1 point) The concept of "Homemade Leverage establishes that: Shareholders can use leverage at the personal portfolio level to undo a firm's leverage decisions. It is always more convenient for shareholders that the firm uses leverage. In this way, shareholders' personal portfolio will be less risky. It is always more convenient for shareholders to have leverage at the personal portfolio level. In this way, firms are less likely to go bankrupt. Debt holders will be reluctant to lend money to firms whose shareholders are currently overleveraged