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Consider the following statements: Statement-I: Syndicated lending spreads the risk of borrower default across multiple lenders. Statement-II: The syndicated loan can be a fixed lump sum of funds but cannot be structured as a credit line. Which one of the following is correct in respect of the above statements?

A. Both Statement-I and Statement-II are correct and Statement-II explains Statement-I
B. Both Statement-I and Statement-II are correct, but Statement-II does not explain Statement-I
C. Statement-I is correct, but Statement-II is incorrect
D. Statement-I is incorrect, but Statement-II is correct

Explanation: