Z=1X1+2X2+2.0X3 where X1 is debt to asset ratio (long-term debts/total assets), X2 is return on asset (net income/total assets), and X3 is earnings retention ratio (retained earnings/total assets). Based on the estimates of coefficients provided the bank's risk management team, the coefficients of X1 and X2 are either 2 or 1.5. For one of its potential borrower, X1=30%,X2=20%, and X3= 90%. 11. What should be the value of coefficients of X1 and X2,1 and 2 respectively? E. None of the above Answer: B