24. On pp. 141-142 (Kindle, 2383-2389), BL] discuss payments use by businesses that are neither merchants nor billersi.e., businesses that make payments to each other. Which of the following are payments objectives of these enterprises? 1. Ensure cash inows and outows are predictable. 2. Limit fees paid to banks and other payments providers. 3. Protect against fraud. 4. Integrate payments data with their accounting systems. A.1and2 B.2and3 c.1,2,and3 D. 1,2,3,and4 25. There can be large xed costs to a bank of processing payments on its own, putting small banks at a disadvantage. One reason the U.S. banking industry can continue to operate with such a large number of small banks is that the processing of payments (BLJ. p. 146; Kindle, 24372444) A. has become very cheap B. is handled for them by large processors C. is handled for them by the Federal Reserve D. is not a service needed by the banks\" customers 26. BLJ say that banks traditionally viewed payments as but more recently have viewed payments as . (p. 14?; Kindle, 2440-2444] A. separate lines of business such as credit card issuance or retail checking; a support function for lending and deposit-taking B. a support function for lending and deposit-taking; separate lines of business such as credit card issuance or retail checking C. an unprotable activity; a protable activity D. a protable activity; unprotable activity