Define the spread effect Select one: a. Periodic cash flow of interest and principal amortisation payments on long-term assets that can be reinvested at market rates. b. The effect that a change in the spread between rates on rate-sensitive assets and rate-sensitive liabilities has on net interest income as interest rates change. c. The effect of mismatch of asset and liabilities within a maturity bucket. d. The premium paid to compensate for the future uncertainty in a security's value