19. Which of the following is FALSE? Select one: O a. Money market securities include Treasury bills, commercial paper, federal funds, repurchase agreements, negotiable certificates of deposit, banker's acceptances, and Eurodollars. O b. Banks are regular participants in the money market. They buy and sell money market instruments O c. The T-bill is not an investment to be used for anything but temporary storage of excess funds because it barely keeps up with inflation O d. Money markets are used extensively by businesses both to warehouse surplus funds and to raise long-term funds