Which one of the following statements is TRUE? 

 a) The commission required by the Federal Housing Agency for a small business loan is an example of an agency cost. 

b) One tool of corporate governance is the threat of removing current management.

c) One tool of corporate governance is the location of the company headquarters. 

d) One tool of corporate governance is the choice of how much dividends to pay. 

e) Corporate governance is when an officer of a corporation is elected to public office