The step in setting working capital balances, "use attractive short-term financing opportunities" involves: Using as much short-term financing as possible. Financing with accounts payable since this source of money is always zero-cost financing. Using short-term payables only if the rate of return exceeds the firm's WACC. Financing with short-term payables whenever the interest rate is favorable and the supplier is happy with the relationship. Question 20 2 pts The "underlying" behind a financial derivative is: The financial instrument, rate, or inex that defines its value. The investment banker who creates it. The commercial banker who guarantees it. The legal authority to issue it