Which of the following is usually not an important aspect of the first-line sales manager's job?

If the loans in the bank's portfolio are all negatively correlated, what will be the impact on the bank's credit risk exposure?

A. The loans' negative correlations will decrease the bank's credit risk exposure because lower than expected returns on some loans will be offset by higher than expected returns on other loans. B. The loans' negative correlations will increase the bank's credit risk exposure because lower than expected returns on some loans will be offset by higher than expected returns on other loans. C. The loans' negative correlations will increase the bank's credit risk exposure because higher returns on less risky loans will be offset by lower returns on riskier loans. D. The loans' negative correlations will decrease the bank's credit risk exposure because higher returns on less risky loans will be offset by lower returns on riskier loans. E. There is no impact on the bank's credit risk exposure.

Of the 4 types of layouts discussed in class, it would be unusual and unprofitable for one company to utilize a combination of one or more of these layouts in one operation

a. true b. false