In September 2022, the effective federal funds rate was 3.08%, the reserve rate was 3.15%, and the prime credit rate (discount rate) was 3.25%. This could indicate that ________________ A) Banks are less likely to lend short term funds to other banks B) Banks are more likely to lend short term funds to other banks C) Banks needing short term funds would prefer to borrow from the Federal Reserve at the discount rate D) B and C