Which of the following is a contractual mechanism used by Fls to control credit risk?

a$)$ Avoiding assets that have high systematic risks

b$)$ Investing in assets that have low unsystematic risks

c$)$ Placing more restrictive covenants on the actions of more risky borrowers

d$)$ None of the above

e$)$ Allocating more assets in those that have high fire sale prices relative to the value