[Solved] The greatest constraint faced by banks considering the alternative of lending to Bangladeshi villagers is: A) not having qualified loan officers to make the loans. B) having limited funds available for loans. C) not being able to determine appropriate currency exchange rates. D) counterfeit Carfax reports that make it difficult to properly assess collateral. Erotica: Sexually explicit material that is evaluated positively. Sexually Explicit Material: Content that displays or describes sexual acts or subjects in a direct and detailed manner. Artistic Value: The significance or worth that is placed on creative works for their aesthetic, cultural, or social importance. Erotica: Creative works, such as literature or art, intended to arouse sexual desire without crossing into pornography.