What is the Effective Annual Rate of a loan that requires semiannual payment at a stated interest rateof 10%? 10% 9.75% 10.25% None of the above Which of the following is true about an amortization schedule? Annual interest payments increase over time Annual principal payments increase over time Annual interest and principal payments stay constant over time None of the above The risk of a portfolio _________________ as more investments are randomly added increases Decreases Stays the same None of the above