With reference to the video 'What does the National Credit Act mean for consumers?', which amendment(s) to the National Credit Act were identified in the discussion between the presenter and Simone. You may choose more than one option. a. A formula for calculating affordability. b. The affordability assessment guidelines. c. Documentation that a credit provider is required to obtain to verify information given by the consumer. d. The requirement that the consumer must provide information that is true and accurate