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Which of the following characteristics do money market instruments typically have? (select all that apply; 3 of the answers below are correct) Reference: Textbook, Chapter 5 insured by the FDIC maturity of 5 years or more at date of issuance may be exchanged for shares of stock at the discretion of the holder rated as speculative or less than investment grade Large denominations maturity of one year or less at date of issuance Low default risk