5. Explain the differences between a Net Worth Statement (Balance Sheet) and a Cash Flow Statement in terms of what they tell us, and how we can use the information to our benefit, or to the benefit of our clients. (4 marks) 6. We know that interest rates can go up, and they can also go down a) discuss a strategy that a client can use if interest rates are nising, and the client needs to borrow money for the long-term, and a strategy that a client can use, when interest rates are rising, if they plan to save money (2 marks) 5. Explain the differences between a Net Worth Statement (Balance Sheet) and a Cash Flow Statement in terms of what they tell us, and how we can use the information to our benefit, or to the benefit of our clients. (4 marks) 6. We know that interest rates can go up, and they can also go down a) discuss a strategy that a client can use if interest rates are nising, and the client needs to borrow money for the long-term, and a strategy that a client can use, when interest rates are rising, if they plan to save money (2 marks)