Malcolm would like to invest some of his RRSP contribution in an easy-to-understand investment product. He has narrowed his choice to a CSB or a Guaranteed Investment Certificate (GIC). Which statement represents the main advantage of a GIC over an investment in a CSB? a) GICs provide investors with an investment of lower risk than a CSB. b) The rate of return is generally higher on a GIC. c) GICs can be cashed at any time. d) GICs can be purchased at any time