Which statement about CAMELS analysis is correct? a. From a regulator's perspective, a lower "net noncore funding dependence" ratio is preferred to a higher one. b. A large (core deposits/asset) ratio would indicate major potential liquidity problems c. Charge-offs/loans of 10% would suggest excellent loan quality. d. An efficiency ratio above .60 would suggest management is doing an exceptional job (i.e. better than average) managing earnings