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15. Risk factors that cannot be eliminated through diversification include which of the following? 1. Interest-rate fluctuations 2. General price-level changes 3. New product development 4. Management turnover (2 points) I and It only LIL and ill only LILII and IV 11., and IV only. is created by a financial relationship between suppliers and demanders of long-term 16. The funds. (2 points) stock market money market capital market financial market