14. A financial advisor is using advanced statistical techniques to improve various aspects of financial planning and analysis. Which of the following applications is likely to provide the LEAST reliable results when used in isolation, without considering other factors? a) Using regression analysis to predict a company's future expenses based on historical data for budgeting purposes. b) Implementing Modern Portfolio Theory with multiple linear regression to optimize a client's investment portfolio allocation. c) Developing a credit score prediction model using logistic regression to assess an individual's creditworthiness. d) Applying Monte Carlo simulations to project various retirement savings outcomes for long-term planning. e) Creating a property valuation model using multiple linear regression to estimate real estate prices in a specific market