Q1: Which of the following is NOT an investment? A) a certificate of deposit issued by a bank B) a new personal car C) a mutual fund held in a retirement account D) a new lease of an office by a company E) a United States Saving Bond F) a new building purchased by a company State your answer(s). Explain your reasoning. Q2: Define and briefly describe at least two major differences between individual investors, institutional investors, and speculators