Which of the following statement(s) is(are) true?

Select one or more:

a.

The aim of banks is making profits, therefore, ethical problems in lending should not be taken into account.

b.

Lending to people living in the red-lining is unethical.

c.

A responsible lending should consider the circumstances and ability of the borrower.

d.

Lending to low-income borrowers who can not repay is unethical.

e.

None of the above.