(8) The financial leverage is using: A) fixed operation costs. B) fixed financial costs. C) variable operation costs. D) all fixed costs. E) all variable costs. (9) The actual interest rate on a loan that is compounded monthly but expressed as an annual rate is referred to as the rate. A) stated B)effective annual C) discounted annual D) periodic monthly E) consolidated monthly (10)Interest rates that include an inflation premium are referred to as: A) annual percentage rates. B) nominal rates. C) effective annual rates. D) real rates. E)stripped rates