Complete the sentence. Depository institutions provide four benefits, which are ______.

A. creating liquidity, lowering the cost of borrowing, paying interest on investment funds, and introducing new technology into banking

B. pooling risk, keeping inflation low and steady, lowering the cost of borrowing, and lowering the cost of monitoring borrowers

C. minimizing interest rates on purchases of large ticketitems, centralizing all household monetary needs in one location, introducing new technology into banking, and paying interest on investment funds

D. creating liquidity, lowering the cost of borrowing, lowering the cost of monitoring borrowers, and pooling risk