Question 9 1 pts Interest rate risk is the risk of a change in interest rates that affects the value of the loan True False Question 10 1 pts Banks that focus on operating cash flow management for businesses are the credit unions o investment banks. a commercial banks, O retail banks. O online banks D Question 11 1 pts Your savings strategy will be determined by your ability to predict. all of the above o the time value of money. O your need for liquidity. o interest rates