Help: Explain why the lines are sloped negatively or positively. Explain why you think there is a "spread" between the rates for GICs and for mortgages. In your discussion, consider risk, opportunity cost of capital, liquidity, administration costs, and matching assets and liabilities.

These are the line graphs I produce from raw data I found online. One for mortgage lender rates and one for GIC rates from ATB Financial (services Alberta, Canada). I just need help interpreting the graphs and the elements discussed above (risk, opportunity of capital, liquidity, administration costs, and matching assets and liability)

ATB Financial Mortgage Lender Rates 5 4 Mortgage 3 Interest Rate 2 2 3 4 Time to Maturation