$82)$ In the KMV portfolio model, the expected return on a loan is the A$)$ annualall$-$in$-$spreadminustheexpectedlossontheloan. B$)$ annualall$-$in$-$spreadminusexpectedprobabilityoftheborrowerdefaultingoverthenextyear. C$)$ annualall$-$in$-$spreadminusthelossgivendefault. D$)$ theinterestandfeespaidbytheborrowerminustheinterestpaidbytheFItofundtheloan