Question 5 10 pts When a Dl makes a shift from an "originate-to-hold banking model to an "originate-to-sell model, the change is likely to result in increased liquidity risk. increased interest rate risk. O o o o decreased monitoring costs. decreased fee income. Question 6 10 pts The 2008-2009 financial crisis highlighted, in retrospect, how heavily households and businesses had come to rely on Fls to act as specialists in generating profits and lowering costs. derivative securities and interbank borrowing. O O O O O investment advice and brokerage services. time intermediation and denomination mediation. risk measurement and management