What effects do credit market imperfections have on the interest rates faced by lenders and borrowers? (Select all that apply.)

A. Interest rates at which consumers and firms can lend are lower than the interest rate at which they can borrow.

B. Interest rates at which consumers and firms can lend are higher than the interest rate at which they can borrow.

C. Interest rates at which consumers and firms can lend are the same as the interest rate at which they can borrow.

D. Consumers and firms can borrow up to the quantity they would like at market interest rates.

E. Lenders are sometimes required to post collateral against a loan.

F. Borrowers are sometimes required to post collateral against a loan.

G. Consumers and firms cannot borrow up to the quantity they would like at market interest rates.