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40 40) Which of these money market instruments are short-term funds transferred between financial institutions, usually for no more than one day? A) federal funds C) banker acceptances B) treasury bills D) commercial paper 41) 41) Which of the following is NOT a money market instrument? A) treasury bills C) corporate bonds B) bankers' acceptances D) commercial paper 42) 42) Which of these refer to the ease with which an asset can be converted into cash? A) primary market C) secondary market B) direct transfer D) liquidity 3) 43) Which of these capital market instruments are long-term loans to individuals or businesses to purchase homes, pieces of land, or other real property? A) corporate bonds C) treasury motes and bonds B) mortgage-backed securities D) mortgages 44) Which of the following is NOT a capital market instrument? 44) A) U.S. Treasury notes and bonds C)U.S. Treasury bills B) U.S. government agency bonds D) corporate stocks and bonds 45) Which of the following is NOT correct with respect to financial institutions? 45) A) Commercial banks, insurance companies, and mutual funds are examples of financial institutions B) Financial institutions reduce price risk. C) Financial institutions reduce monitoring costs and liquidity costs. D) Financial institutions channel funds from those with shortages to those with surplus funds. 46) All of the following are types of financial institutions EXCEPT A) insurance companies C) pension funds. 46) B) thrifts. D) Federal reserve 47) Which of the following factors cause the demand for funds curve to shift? A) domestic and foreign economic conditions B) utility derived from asset purchased with borrowed funds C) restrictiveness of noaprice conditions of borrowing D) All of these choices are correct. 47)