43Within the steps to resolving a problem loan, why is it important to reevaluate the borrower?
a. evaluating the bank and borrower's strengths and weaknesses helps determine a course of action
b. some lenders grow too close to their customers and cannot objectively appraise the situation
c. until a borrower has been tested by adversity, it is difficult to measure a borrower's true character
d. a bank with a few bad credits and the likelihood for strong future earnings may decide to engage in protracted loan workouts