The main dilemma in the "Selecting mutual funds for retirement accounts" case is that to satisfy Ms. Monroe's risk profile with the given set of funds, a. one has either to advice her taking a position above the Capital Allocation Line or decrease her holding period. b. one can either use daily or weekly returns c. one can either use weekly or daily covariances d. one can keep either an equity fund or a bond fund in the mix e. one has either to advice her taking a very substantial short position in the risk free asset or offer her a Sharpe-ratio suboptimal asset mix.