Based upon the previous two questions, what are the most problematic areas facing Zila which contribute to its relatively poor ROE compared to the industry? O a. Inability to control its product costs and heavy use of debt. O b. Poor asset use efficiency and heavy use of debt. O c. Both the inability to control its product costs and poor asset use efficiency. O d. Inability to control its product costs, poor asset use efficiency, and use of financial leverage. O e. Only its inability to control its product costs