You must also consider: $($Select the best answer below.$)$

A$.$ that if you need access to the money in a short period of time, the nonfinancial institution's CD might be too risky.

B$.$ that if you only need access to the money after a long period of time, the nonfinancial institution's CD might be too risky.

C$.$ the government's risk tolerance.

D$.$ the bank's risk tolerance.