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Which of the following are true (I) With negative interest rates, the lender pays the borrower. (II) Negative interest rates environments like those in Europe

Which of the following are true

(I) With negative interest rates, the lender pays the borrower.

(II) Negative interest rates environments like those in Europe currently, are typically helpful for bank profits (compared to higher, positive interest rate environments).

A. I only
B. II only
C. Both I and II
D. Neither I nor II

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