As a source of funds, small banks rely more heavily on ____ than larger banks, and larger banks rely more heavily on ____ than smaller banks.

a. time deposits and foreign deposits; savings deposits and short-term borrowings b. savings deposits and short-term borrowings; foreign deposits and time deposits c. savings and time deposits; foreign deposits and short-term borrowings d. foreign deposits and short-term borrowings; savings and time deposits e. demand deposits and short-term borrowings; time deposits and short-term borrowings