In the context of consumer mortgages, mortgage-backed securities (MBS) consist of a. mortgages that necessarily change the interest rate at specific time intervals within the mortgage. b. insuring mortgages by the FDIC. c. packaging mortgages into bonds, enabling them to be sold on the secondary market. d. creating short-term mortgages, such as 10 year and 15 years in length e. linking their interest rate to the Federal Funds rate