1. Select one issue related to ' 4Cs ' framework that was not mentioned in the text: a) Cons: Misleading accounting practices (Character) b) Cons: Poor management and excessive management compensation (Character) c) Cons: Relaxed debt contract conditions allowing PG\&E's to excessively buyback its stocks (Covenants) d) Cons: Large number of competitors (Capacity: Industry) e) Pros: Large number of customers, low power of the buyers (Capacity: Industry) f) Pros: Geographical and product diversification (Capacity: Firm)