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Collateral does not reduce the risk of a loan per se, because A. it is not part of the loan agreement B. the risk of

Collateral does not reduce the risk of a loan per se, because A. it is not part of the loan agreement B. the risk of a loan is determined by the borrowers willingness and ability to repay the loan C. it may be worth less than the bank thinks D. the bank may not have title to the collateral

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