$3.$ When choosing between holding funds in a NOW account or a money market mutual fund, a saver might be attracted to a NOW account if$,$ and a money market mutual fund ifa. they want their funds insured by the FDIC; they desire higher interest ratesb. they prefer investment banks; they prefer immediate access to their funds on demandC.they are risk$-$loving; they are risk$-$aversed. they are concerned about exchange rate risk; they are concerned about counterparty risk