Which of the following is NOT true?

Oligopoly market is characterized by both homogeneous and differentiated products whereas, perfect competition market has homogenous or standard products

Structural unemployment is inevitable and sometimes desirable too as it is a short-term problem

William is an employee in a reputed company with a union contract that incorporates partial indexation of his wage. Unexpected inflation would make William 'Worse off'

Borrowers and lenders are unaffected if actual inflation = Anticipated inflation