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Why do U.S. Treasury bills have lower intrested rates than large-denomination negotiable bank CDs? What are the bond rating shown by Moodys and Standard &

Why do U.S. Treasury bills have lower intrested rates than large-denomination negotiable bank CDs? What are the bond rating shown by Moodys and Standard & Poor's? What is a bond with default risk relationship with a risk premium? What are three factors explain the risk structure of interest rates? Short response please

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