please answer both

Which of the following are capital market instruments? A 10-year corporate bonds B. 6-month Treasury bills C. 3-month Treasury bills D. Negotiable certificates of deposit QUESTION 18 Not yet answered Marked out of 4.0 Flag question Which of the following statement is not correct? A. The financial system provides a means of making payments B. Commercial banks are non-depository financial institutions The financial system helps to assistant borrowing and tendine D. The direct transactions between ultimate lenders and ultimate borrowers are costly risky, inalticent and thus not very likely