True/false

(3) An inverted yield curve, in which long-term interest rates are lower than short-term interest rates, is a good situation because their cost of funds is based on short-term rates while the interest they charge on loans is based on long-term interest rates. for commercial banks (4) The Basel Committee on Bank Supervision defines an operational loss as the loss in market value due to unexpected changes in the difference between long-term and short-term interest rates. Is that statement true or false