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4. Which of the following is true regarding Mortality rate approach? A. Mortality rate approach is forward-looking to predict future probability of default. B. Mortality rate is a market-based method using histortical default experience. C. Cumulative mortality rate is always greater than marginal mortality rate D. To calculate a future mortality, we do not have to adjust for previous year's defaulted bnds. E. We can calculate yield curve from the marginal mortality table