Select all that are true with Prepayment and Default Curves for Mortgage Backed Securities

Question $2$ options:

The Prepayment curve plateaus at $6\%$ starting in Year $2\mathrm{.}5$

The Default curve plateaus from Year $2\mathrm{.}5$ year to Year $5$ year, declining from Year $5$ year to Year $10,$ stabilizing from Year $10$ to the end of the term.

Prepayments change cash flow since there is adverse selection in that better credit risks prepay more, leaving worse risks behind.

Prepayment and Default Curves act opposite to each other