3. Which of the following statements is true about fund managers? A. Fund managers generally provide payment services and investment products. B. Fund managers provide a 'safe haven' for investors' funds. C. Fund managers earn an interest rate spread. D. Fund managers have both low- and high-risk investment piroducts. E. None of the above. 4. A difference between ordinary and preference shares is: A. preference dividends are payable only after ordinary dividends have been paid. B. preference dividends are tax deductible. C. preference dividends are a fixed amount. D. ordinary shares are less risky. E. preference shares have greater potential for capital gains