6) The authors' analysis of adverse selection indicates that financial intermediaries in general, and banks in particular (because they hold a large fraction of nontraded loans), A)have advantages in overcoming the free-rider problem, helping to explain why indirect finance is a more important source of business finance than direct finance. B)play a greater role in moving funds to corporations than do securities markets as a result of their ability to overcome the free-rider problem. C)provide better known and larger corporations a higher percentage of their external funds than they do to newer and smaller corporations, which rely to a greater extent on the new issues market for funds. Donly A and B of the above