What causes the difference between savings and borrowing rates? O a. It is up to the commercial banks discretion O b. Protection against inflation O c. Protection against insufficient balance for banking withdrawals O d. Commercial banks need to place certain percentage at the central bank as reserves requirement There were occasions where some countries printed money by duplicating serial numbers in the past which hod led the International Monetary Fund (IMF) to monitor the serial numbers on new bills. This action is important to monitor against the misrepresentation of central banks' financial position activities. Select one: True False