QUESTION 17 Debt covenants are: a. Bond ratings based on a contract with Moody's or Standard & Poor's b. Derivative contracts used to guaranty a minimum rate of return c. Contact terms mandated by the creditor to protect against possible loan default d. Physical assets that the borrower pledges to the creditor QUESTION 18 Collateral is: a. Contract terms mandated by the creditor to protect against possible loan default b. Minimum loan requirement specified by a commercial bank c. Physical assets that the borrower pledges to the creditor in case of loan default d. Operating lease terms QUESTION 19 A bank commercial loan decision normally includes: a. Accept or reject b. Collateral requirements c. Interest rate d. Debt covenants QUESTION 20 nvestor int maximizing short-term income should focus on what type of m tual fund? estec a. International Growth Fund b. Growth Fund c. Value Fund d. Income Fund