It Is Difficult for Depositors to Know the True Health

It is difficult for depositors to know the true health of banks because:

A) regulations prohibit banks making their financial statements publicly available.
B) the financial statements of banks are too difficult for most people to understand.
C) most of the information on bank loans is private and based on sophisticated models.
D) banking is competitive and financial records of banks are not divulged to prevent competitor banks from having an advantage.