please answer 10-18 i will give a thumbs up! thanks!

10. Bank X obtains most of its funds from NCDs, while Bank Yobtains much of its funds from savings accounts and from demand deposit accounts. Given this information, the net interest margin of Bank X would likely be than that of Bank Y. and noninterest expenses would likely be than that of Bank Y A) greater, greater B) greater, less C) less; less D) less: greater 11. Which of the following is not a reason for bank failures? A) fraud B) a low loun default percentage C) liquidity crisis D) increased competition E) All of the above are reasons for bank failures. I 12. Savings institutions that reduce their amount of will best reduce their exposure to interest rate risk. A) long-term fixed-rate mortgages B) variable-rate consumer loans C) short-term commercial loans D) short-term Treasury securities 13. A savings institution owned by its depositors is a savings institution A) mutual B) stock C) credit D) closed-end 14. From a bank's point of view, adjustable-rate mortgages reduce the adverse impact of interest rates because they result in interest rate risk, compared to fixed-rate mortgages. A) rising, higher B) declining: higher C) rising; lower D) declining; lower E) none of the above 15. When finance companies purchase a firm's receivables at a discount, and are responsible for processing and collecting the balances of these accounts, they act as a A) leasing agent. B) lessor. C) lessee. D) factor 16. Finance companies are subject to state laws which usually set: A) a maximum limit on loan size. B) ceiling interest rates on loans provided. C) a maximum length on loan maturity D) regulations on intra-state banking. E) all of the above 17. Compared to other lending financial institutions; finance companies have a loan delinquency rate, and the average rate charged on loans is on average A) lower; lower B) lower; higher C) higher, higher D) higher; lower 18. Mutual funds that are willing to repurchase their shares from investors are referred to as A) closed-end mutual funds. B) load mutual funds. C) no-load mutual funds. D) open-end mutual funds