A total return credit swap O a. can be important because credit risk is more likely to cause an F1 to fall than other interest rate risk or EX risk. Ob. can allow an F1 to maintain long-term customer lending relationships without bearing the full credit risk exposure from these relationships. c. Al of the options Od involves exchanging an obligation to pay interest at a specified rate for payments representing the total return on a loan of a specified amount. e can allow an Fl to maintain long-tom customer lending relationships without bearing the full credit risk exposure from these relationships and can be important because credit risk is more likely to cause an FI to fail than either interest rate risk or FX risk