Which of the following statements are true? (a) With QFII quota, fund houses in the mainland China may invest in HK-listed stocks. (b) Typically no transfer of risk to the financial intermediary is involved in a firm commitment underwriting. (c) When you hold an IP account in HK, you do not need to open a stock account with broker and trade through them. (d) IOR is the interest that Fed charges on reserves that commercial banks deposit. (e) Under the clawback mechanism of an IPO in HK, a larger portion of new shares will be allocated to the public offer. (f) One key benefit brought about by money market mutual funds is denomination intermediation. (g) After financial crisis, the Fed increased the spread between the discount rate and target federal funds rate. (h) The Fed takes a 2% inflation as its long-term objective. (i) Potential borrowers who have higher likelihood to default are the ones most actively seeking for loans is referred to as moral hazard. (j) Stock Connect Programme enables HK investors to trade B-shares./