QUESTION 44 1 points Save Answer Most private pension funds are defined contribution plans O TRUE O FALSE. QUESTION 45 1 points Save Answer Prior to the 1920s, U.S. banking regulations discouraged mortgage lending by banks. O TRUE O FALSE QUESTION 46 1 points Save Answer Mutual funds O pool the resources of many small investors by selling these investors shares and using the proceeds to buy securities. O allow small investors to obtain the benefits of lower transaction costs in purchasing securities. O provide small investors a diversified portfolio that reduces risk. O do all of the above. O do only A and B of the above