Which of the following is correct with respect to long-term loans?

Select one:

a. Once a loan's terms are set; they cannot be changed until all the money is paid back.

b. Large borrowers may have trouble finding lenders to supply enough funds.

c. Loans are difficult to arrange quickly.

d. The time frame of the loan may be difficult to match with the borrower's needs.

e. Businesses try to avoid them whenever possible because banks charge high interest rates.