Depository financial institutions in Malaysia able to purchase long term and risky financial assets from depositors, then, finance these purchased with short term and safe financial instruments. (a) How could these financial institutions in Malaysia afford to conduct for the above process? (2 marks) (b) What are the consequences if the whole process goes wrong? (12 marks) (c) How to determine the price of financial instruments that are currently trading in the financial markets? (2 marks) (d) Which of the financial instruments are riskier when comparing the period of time and cash flow for the investment in Malaysia? Why?