Which of the following is CORRECT about business decisions and interest rates? a. Firms should always avoid short-term debt. b. Interest rates are easy to predict in a growing economy. c. When a company takes a long-term loan, it is harmful to their credit rating. d. A retirement saver's choice of maturity can have a major effect on the investment's performance. e. If a company takes on foreign investors, it is not eligible to offer short-term bonds.