A clause in a mortgage loan contract requiring the borrower to purchase homeowner's life insurance is an example of Select one: a. a restrictive covenant. b. a collusive agreement between mortgage lenders and insurance companies. c. both A and B of the above. d. neither A nor B of the above. (1) The US stock market hit its bottom at the end of March, but yet so far has completely recovered from the pandemic. Economists named this phenomenon V-shape" economy, which is usually seen around health pandemic or natural disaster caused temporary economic recessions. (II) Recently, stock markets have witnessed increases in volatility and investors' uncertainty, reflected by the VIX index. Select one: a. () is true; (II) false. b. (1) is false; (II) true. c. Both (1) and (II) are true. d. Both (I) and (II) are false. the horrower to