Which of the following statements on the loan-deposit ratio (LDR) is most accurate? a. During a period of economic downturn, a bank should raise its LDR to improve balance sheet strength b. A low LDR close to 50% could be a sign of poor sales and business execution c. The LDR is a ratio that is most commonly used for evaluating the management quality of a bank d. A high LDR close to 100% is a definite sign of financial distress for a bank