Question 3 BigBusiness, Inc., issues both capital market securities and money market securities. The capital market securities are expected to offer expected returns and the risk is generally O lower; lower O lower; higher O higher; higher O higher; lower 1 pts O the same; the same Question 4 1 pts Some factors promote some financial institutions to engage in other financial services like banking, security brokerage, insurance, etc. Which of these is not commonly one of those factors? O There has been an increase in the need to manage the major risks at financial institutions. Changing regulations allow financial institutions to offer more financial services. O Global financial institutions have increased competition. The federal government requires them to do this. O The cost of providing financial services is being reduced by improvements in technology