Bank regulation specifies that the leverage ratio (capital/assets) cannot fall below 5%. However, Some assets are riskier than others, and the bank may engage in risky off-balance sheet activities. What kinds of bank regulation would you recommend to account for assets with different levels of risk and off-balance sheet activities?Group of answer choicesAllow banks with riskier assets and higher returns to hold less capital.Require banks that hold riskier assets hold more capital.Require all banks hold the same, high level of capital.Require banks hold a fraction of deposits in reserve.