We find that a bank's net interest margin is higher than its competitor. Which of the following are potential explanations for the difference? A) the bank's yield on earning assets is lower than its competitor B) the bank's earnings base is lower than its competitor C) the bank's cost rate is higher than its competitor D) the bank's percentage of interest bearing liabilities to total assets is higher than its competitor E) all of the above F) none of the above Banks address liquidity by: A) storing liquidity on the balance sheet in the form of short-term, highlymarketable assets B) investing in longer-term securities to reap capital gains C) establishing reserve borrowing capacity D) all of the above E) a and b F) a and c