The benefit(s) gained by an exporter who gains access to a guarantee program offered by an export credit agency is/are: Greater access to more international contracts Issuing of more bonds Greater competitive advantage Frees up the exporter's cash flow A key factor to insurance risk is the spread of risk, where the more diversified a portfolio of export receivables the higher the risk, and the more concentrated the portfolio the lower the risk. True False Question 2 (1 point) A payment method of payment on delivery of shipping documents is much less risky than open account terms that provide for payment 60 days from delivery. True