Which of the following statements is TRUE? Select one: O a. In Australia, the financial claims scheme that protects deposit accounts is funded by financial institutions via a pre-paid premium. O b. In Australia, only customers of the major banks are covered by deposit insurance. O c. Australia has had a well-developed deposit insurance system for many decades that has protected depositors without a bank failure for over a century. O d. In Australia, depositors' priority over other liability holders in the event of a bank failure has been replaced by a post-funded financial claims scheme to protect deposit accounts