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For an adjustable rate mortgage, the expected cost of borrowing on which of the following provisions? A. the frequency of payment adjustments B. the inclusion

For an adjustable rate mortgage, the expected cost of borrowing on which of the following provisions?

A. the frequency of payment adjustments

B. the inclusion of caps and floors on the interest rate, payment or loan balances

C.the spread over the index chosen for a given ARM

D. All of the above

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