Stephen is considering a loan application. He needs to know the approximate value of the applicant's bank and retirement accounts. What should Stephen do to get the MOST accurate information?

A$)$ Ask the applicant for the current balance of each account

B$)$ Request the most recent monthly statement for each account

C$)$ Request the applicant's most recent pay stub and estimate how much can be saved each pay period

D$)$ Average the balances reported on the applicant's past