Which of the following statements is TRUE? Select one:

a. A positive financing gap means that the bank has excess liquidity. b. A positive financing gap means that the bank must fund it by using its cash and liquid assets or by raising funds in the money market. c. A negative financing gap means that the bank must fund it by using its cash and liquid assets or by raising funds in the money market. d. A negative financing gap means that the bank is in need of liquidity.