What are some of the limitations to the Basel I and Basel II$$ Accords?

$($Select all that$$ apply.$)$

A$.$

Banks have to have sufficient capital to weather the kind of financial disruption that occurred during this period.

B$.$

Risk weights are dependent on credit$$ ratings, which can be$$ unreliable, particularly in financial crises.

C$.$

In$$ practice, the risk weights can differ substantially from the actual risk the bank faces.

D$.$

Banks hold more capital when times are good but less when times are$$ bad, thereby, exacerbating credit cycles.