Which of the following is true for the risk premium (or liquidity premium) theory? (Select all that apply). A. It explains why a downward-sloping yield curve often indicates that investors think a recession is imminent. B. It explains why the yield curve is sometimes hump-shaped better than either the pure expectations or market segmentation theories. U It does a better job than the pure expectations theory at explaining why the yield curve is usually upwards-sloping. D. It basically says that longer term loans have higher interest rates because they are riskier