Why do banks generally prefer lower capital requirements? A. To increase a bank's net income relative to equity B. To increase depositor protection C. To increase the influence of bank regulators D. To decrease the return on equity E. To minimize the impact shareholders have on management decisions Which of the following regulatory restrictions is uniquely applicable for "critically undercapitalized" banks: A. Cannot accept broker-placed deposits without regulatory approval 8. Will be placed into conservatorship or receivership if it its capital lovel is not increased within a cortain time limit. c. Must have a Tier 1 to risk adjusted assets ratio of at least 3%. D. Faces no significant regulatory restrictions E. Has limits on dividends and management fees it is allowed to pay and limits on the maximum asset growth rate among other restrictions