When assessing credit risk, which of the following factors should be considered when evaluating a borrower's scale and diversification?$$

Factor $1$: The amount of fixed costs in a borrower's cost structure.

Factor $2$: The size of the borrower and its bargaining power over suppliers.$$

Group of answer choices

Only Factor $2.$

Neither Factor $1$ nor Factor $2.$

Only Factor $1.$

Both Factor $1$ and Factor $2.$