In banking, the gross spread is: the difference between the rate a bank borrows at and the difference a bank lends at. the difference between the federal funds rate and the discount rate. the difference between a bank's checking deposits and its reserves. the difference between the rate a bank lends at and the rate of inflation force lenders to assume interest rate risk. became more prevalent during the Great Inflation. both of the above. neither of the above. With an ARM, who must take on the interest rate risk? borrower lender both neither Bank holding companies allows bankers to circumvent Regulation Q. interstate banking restrictions. reserve requirements. none of the above. Securitization has allowed some hanks to concentrate on origination of loans. credit risk. specialized lending all of the above. Bank consolidation is desirable because small banks with little capital are eliminated. banks are more diversified. both of the above. neither of the above. Bank consolidation is desirable because banks are able to do specialized lending. banks are more diversified. banks are more able to serve small business. all of the above