3) Which of the following are capital market instruments? A) 15-year U.S. government agency bonds B) 30-year mortgages C) 10-year corporate bonds D) 20-year Treasury bonds E) All of these choices are correct 5) A negotiable CD is A) a time draft payable to a seller of goods, with payment guaranteed by a bank. B) a short-term unsecured promissory note issued by a company to raise funds for a short time period. C) a marketable bank-issued time deposit that specifies the interest rate earned and a fixed maturity date. D) a short-term fund transferred between financial institutions usually for no more than one day E) a loan to an individual or business to purchase a home, land, or other real property