When a financial institution accepts funds from savers and pools this money into a portfolio of diversified financial Instruments, it is: a) spreading risk. Ob) preventing fraud. c) reducing transaction costs. d) reducing information costs. Question 12 (1 point) The demand for loanable funds slopes induces a) upward; more investment b) downward; less investment c) downward; less saving Od) upward; more saving because an increase in the interest rate