Why do commercial banks, like Westpac and ANZ, engage in credit risk transformation? a. The commercial can quickly convert financial assets into cash at close to the current market price. b. The commercial bank pools together savers' short-term deposits and make long-term loans. c. All of the options are correct. d. The commercial bank obtains cost advantages owing to their size and business volumes transacted. e. The commercial bank can develop expertise in lending and diversifying loans