A CTR does NOT have to be filed in which of the following circumstances: Select one: O a. A person withdraws $6,000 cash from the bank teller, walks outside, then goes back inside (same day) and withdraws $6,000 more. O b. A person withdraws $6,000 cash from M&T Bank on 1st Street and then goes and withdraws $5,000 cash from the M&T Bank on 2nd Street, which maintains records with the one on 1st Street. O c. A person deposits $5,000 cash into their bank account and later that same day, she deposits $5,000 more O d. A person deposits $12,000 cash into their account