Question 35 Which of the following issue claims against themselves in exchange for premium payments? Not yet answered Select one: Points out of 1.0 a. Mutual funds, pension funds, and finance companies b. Life insurance companies, mutual funds, and property insurance companies P Flag question C. Property insurance companies, pension funds, and life insurance companies d. Pension funds, finance companies, and mutual funds Question 36 Not yet answered Which of the following is an advantage of financial intermediation? 1. Lower risk, since investors have a claim against a professional lending institution instead of a specific DSU II. Reduced search costs, since it's cheaper for depositors to allow financial intermediaries to find prospective borrowers III. Increased liquidity, since depositors can withdraw money on demand from financial intermediaries Points out of 1.0 Flag question Select one: a. I only b. I and II only O c. I and III only O d. I, II, and III Question 37 Not yet answered Which of the following is true concerning non-depository intermediaries? I. They can lend no more funds than they receive from clients and customers II. They create new money in the form of credit when making loans III. They primarily loan small amounts at low interest rates to qualified customers Points out of 1.0 P Flag question Select one: a. I only b. I and II only O c. and Ill only Od. , II, and