In what ways are investment institutions and commercial banks different?

a- Investment institutions are different from commercial banks because they do not engage in traditional commercial banking activities, such as taking deposits and making loans.

b- Investment institutions are different from commercial banks because they do not research the financial markets as commercial banks do.

c- Commercial banks are different from investment institutions because they do not offer short-term assets to borrow short and thus are unable to lend long.

d- There are no differences between investment institutions and commercial banks.

Which one would it be