Question 2 1 pts Why should we be skeptical about the ratings that rating agencies produce? Identify all that apply: Rating agencies are paid by the companies they rate and compete with each other for business. Rating agencies have other (non-rating-related) business with the same companies they rate. To give a low rating to a security, the rating agent must get approval from the agency's board of directors. Barriers to entry prevent new rating agencies with better models from gaining market power, thus insulating existing agencies from having to compete on the accuracy of their ratings