The three main bond-rating agencies are Select one: O a. Moody's, Morgan's, and Carnegie's. O b. Dow Jones, Standard & Poor, and NASDAQ c. Moody's, Standard & Poor, and Fitch. d. Dow Jones Standard & Poor, and Morgan's Issuers with a lower bond rating have to offer offset the increased default risk to borrowers to Select one: a purchase incentives b. repayment guarantees 2 c. a lower interest rate d. a higher interest rate