All but which of the following are reasons given in the text as to why racial and ethnic minorities ...

All but which of the following are reasons given in the text as to why racial and ethnic minorities have less access to mental health care than the majority group?
 
  a. They are less likely to have health insurance than the majority group.
  b. They have less access to treatment providers who possess the appropriate language skills. c. Their cultures have more of a stigma relating to mental illness.
  d. There are fewer treatment providers in locations where more racial and ethnic minorities reside. e. They are more likely to suffer from disorders that fall outside the range of available treatments.