Which of the following statements is TRUE regarding interest rates? O A. The penalty for spending before earning describes the interest rate from the point of view of the debtor. OB. Interest rates in the U.S. were extremely low in the early 1980s because of high maturity premiums. OC. Ceteris paribus, as the frequency of compounding increases the periodic rate will exceed the EAR by greater and greater amounts. OD. Ceteris paribus, as the frequency of compounding decreases, the EAR will exceed the APR by greater and greater amounts