solve foll task

Question 22 Bankers argue that credit unions can unfairly compete with commercial banks for consumer loans and deposits because credit unions are not taxed. Their non-profit status allows credit unions to offer _______ rates on deposits and ____ rates on loans in most cases. The common bond requirement is designed to _______ competition among credit unions (each other) and between banks and credit unions.

Group of answer choices

a.higher; lower; decrease

b.higher; higher; decrease

c.lower; higher; increase

d.higher; lower; increase

23 Which of the following lending institutions does not have a steady, low cost source of funding?

Group of answer choices

a.finance companies

b.commercial banks

c.savings institutions

d.credit unions

24.Which of the following statements is true regarding ETFs?

Group of answer choices

a.The creation and redemption of ETFs is generally regarded as "in-kind" exchanges of assets between an authorized participant and the ETF

b.Individual investors have the ability to purchase and redeem ETFs shares directly from the ETF provider in creation units

c.ETF shares are sold and redeemed at net asset value

d.They have a fixed number of shares