Which of the following statements is true of the concentrated organizational structures of non$-$U$.$S$.$ firms?

The concentrated organizational structures of non$-$U$.$S$.$ firms result from the universal banking relationships that exist outside the United States.

The concentrated organizational structures of non$-$U$.$S$.$ firms make it difficult to change managers.

The concentrated organizational structures of non$-$U$.$S$.$ firms reduce the managerial focus on wealth maximization.

The concentrated organizational structures of non$-$U$.$S$.$ firms permit managers to focus more on short$-$term earnings.

The concentrated organizational structures of non$-$U$.$S$.$ firms result in restricted access to credit in times of financial difficulty.