16. estrictions and penalties can affect an account's (A) earnings. (B) ownership. (C) frequency of interest compounding. (D) interest rate. What is a certificate of debt issued by a corporation or government? (A) stock (B) bond (C) mutual fund (D) dividend 18.Which type of bank is commonly known as a full-service bank? (A) savings (A) savings and loan association (S& L) (B) Internetbank (C) mutual savings bank (D) commercial bank 19.Which type of retirement plan is sometimes called a pension plan? (A) defined-benefit plan (B) defined-contribution plan (C) 401(k) plan (D) Roth IRA 20. Which of the following strategies will help make your savings grow? (A) pay yourself only with discretionary money after all bills are paid (B) make savings a regular part of your budget (C) make frequent withdrawals (D) choose accounts with low interest rates 21. Explain the difference between a depository institution and a nondepository institution