Which of the following statements about the Rating Agency (RA) Credit Analysis is correct? Select one: a. Rating Agency's Credit Analysis focuses on the fundamental factors relevant to an issuer's long-term and short- term risk profile and assesses the level of risk compared with that of all other debt securities. b. Rating Agency's Credit Analysis does not need to assess the risk to the debt holder of not receiving timely payment of principal and interest. C. Rating Agency's Credit Analysis does not assess the ability of management to sustain cash generation under adverse changes in the business environment. d. Rating Agency's Credit Analysis focuses on the fundamental factors relevant to an issuer's long-term and short- term risk profile and assesses the level of risk compared with that of the economy