Why might a credit professional test a client's operating line as some percent other than fully drawn (e.g., 25, 50, or 75%)? Select ALL that apply.

The client provided detailed projections of utilization as a source of reference

The standard average utilization is always 30% for testing an operating line

A credit professional will always use figures based on a fully drawn operating line

Historical usage patterns reveal that it has never been fully utilized in the past