There are 5 basics drivers that are fueling this dynamic RegTech growth, including (1) Increasing regulatory pressure has created a larger compliance gap, (2) Regulators have increased oversight and are using it to crack down on bad actors, (3) Noncompliance continues to plague the industry, (4) Regulators are raising the bar on compliance, and ____? a. Firms push for standardization b. Multi-National organizations going across "Compliance" borders c. RegTech Startups are driving change in the market d. National regulators are reviewing their compliance practices