Which of the following statement(s) is(are) true? Select one or more: O a. The Risk Premium does not consider the size of the loan. O b. The Altman Z-score analysis is part of the Hybrid system. O c. The limitation of Risk Premium Analysis is constrained to large firms. O d. Under Risk-premium analysis, different firms with the same credit ratings will have different probabilities of default. e. None of the given answers