Which of the following statements about mortgage markets is/are true? 1. You most likely will get higher rates on your mortgage than on your credit card loan. II. On average, 15-year fixed-rate mortgages have higher rates than 30-year fixed-rate mortgages. III. Subprime mortgages usually charge higher rates than conventional mortgages. IV. Rates on 10-year T-notes are lower than mortgage rates in the United States. Select one: a. ll and Ill only b. I, II, and IV only c. II, III, and IV only d. Ill and IV only e. I, III, and IV only