73. During which period are stock returns typically the lowest? A. 6 months before a recession B. during a recession C. 12 months after a recession D. there is no discernable pattern 74. A major function of investment banking firms is A. assisting businesses when they issue stocks and bond B. providing financial planning services to wealthy individuals. C. developing investment strategies to neutralize risk. D. all of these are major functions of investment banking firms. 75. Stocks, bonds and exchange traded funds (ETFs) are bought and sold in the capital market. A. True B. False C. Both True or False D. No correct answer 76. The governmental agency that oversees the capital markets is the A. Federal Trade Commission. B. Federal Reserve. C. Securities and Exchange Commission. D. Fair Trade and Banking Agency