The issue described in previous question: The observation that the company has been receiving an increased number of complaints about employees, including "unsmiling and unhelpful relationship manager and hassled-looking teller", represents:

Athena Bancorp's philosophy around human resources and technology was designed to support a purpose and strategy that gave the bank an advantage in terms of: a. Reducing transactions costs and making it more difficult for unqualified applicants to get a loan b. Building relationships with big businesses and providing them with unparalleled enterprise services c. effectively serving customers, particularly those at the lower end of the credit spectrum d. Building a portfolio of financial assets that would be attractive to investors and potential buyers e. None of the above Any attempt to drive change that would address the issue described in the previous question (i.e., customer complaints)--an issue that may be categorized as a( n ) gap--could be accurately characterized as change. Athena Bancorp's philosophy around human resources and technology was designed to support a purpose and strategy that gave the bank an advantage in terms of: a. Reducing transactions costs and making it more difficult for unqualified applicants to get a loan b. Building relationships with big businesses and providing them with unparalleled enterprise services c. effectively serving customers, particularly those at the lower end of the credit spectrum d. Building a portfolio of financial assets that would be attractive to investors and potential buyers e. None of the above Any attempt to drive change that would address the issue described in the previous question (i.e., customer complaints)--an issue that may be categorized as a( n ) gap--could be accurately characterized as change