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1. Which of the following is correct? A) It is difficult to prosecute rating agencies because credit ratings are simple opinions, not investment recommendations B)

1. Which of the following is correct?

A) It is difficult to prosecute rating agencies because credit ratings are simple opinions, not investment recommendations

B) Rating agencies need to charge high fees for their services due to the strong competition they face in their market

C) Rating agencies face conflicts of interest because they receive government subsidies

D) All of the above

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