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With respect to internal credit ratings, “underrating” during growth periods and “overrating” during the decline of a cycle is: A. seen equally with the use of both at-the-point and through-the-cycle approaches. B. seen more with the use of at-the-point than through-the-cycle approaches. C. seen less with the use of at-the-point than through-the-cycle approaches. D. not seen for either at-the-point nor through-the-cycle approaches. |