which one of the following is a main difference between a credit risk , a legal risk , and a market risk ?

a. A credit risk always relies on the provider of long-term debt.

b. A legal risk must always be accounted for as a contingency.

c. A legal risk does not necessarily mean that there has been a breach of contract.

d. A market risk is an absolute risk and is driven by the increasing and decreasing

of interest rates.