Leticia is twenty-two years old and she has all of her savings in a Certificate of Deposit (CD. at the bank that currently pays an annual 1.5 percent yield. The account is protected by the FDIC so it is virtually risk free. She hopes to use her savings for a down payment on a new house in ten years. Inflation in house prices in her area has averaged 4 percent per year. What financial principle does she need to pay better attention to? O Nothing happens without a plan. O Waste not, want not, smart spending matters. Risk and return go hand in hand. O All of the above are correct