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25. Which of the following statements does NOT reflect credit decisions at the retail level? a. Retail customers are always rationed through greater interest rates not loan quantity restrictions. b. Retail loans are smaller than wholesale loans c. Most loan decisions at the retail level (e.g., car loans) tend to be accept or reject decisions, rather than involving extensive information collection and detailed credit analysis. d. Mortgage loan borrowers are often rationed based on loan to price ratios, rather than interest rates. c. Household borrowers require higher costs of information collection for lenders than large well- established corporations, per dollar of loan made. 26. Which of the following is false? Economies of scope: a. Refer to cconomies due to c.g., production of banking and investment banking services by the same firm. b. Refer to cost savings due to growth in size of the bank and efficiency c. Refer to cost savings due to production of multiple outputs within the same firm. d. May occur because inputs are reutilized in production of several outputs, e.g., monitoring once for both banking and investment banking products. e. May occur because inputs are reutilized in production of several outputs, e.g., because information collected for one product such as lending can be used also for selling the same company insurance products and underwriting of its securities 27. What refers to the risk that a borrower is unable or unwilling to make payments of interest and principal on the loan? a. b. Default risk. Interest rate risk. operating risk and settlement risk. Liquidity risk. Foreign government solvency risk. d. e. 28. A Simillion loan commitment has an up-front fee of 10 basis points (BP) and a backend fee of 30 bp on the unused portion. If 25 percent of the commitment is taken down, the total fees are b. Si SI 5000 $10,000 $1,000 $3250 $2250