Which of these statements describe ways to decrease financial risk? (Check all that apply. Each wrong answer cancels one correct answer.) Select one or more: a. Investing in a bond with a relatively high coupon rate. b. A run on the bank. c. Buying a life annuity from an insurance company. d. Choosing to work for a company offering a defined contribution pension plan instead of a defined benefits pension plan. e. For the same mean and variance, an investor prefers a more negatively skewed return distribution f. Investing in inflation-adjusted bonds. g. For the same mean and variance, an investor prefers a higher amount of kurtosis. h. A lender prefers borrowers who have a low credit score. I. Choosing a floating-rate loan instead of a fixed-rate loan. J. A company issues equity to pay back debt. I k. Adding a rate cap to a loan contract. 1. Diversification m. Investing in stocks who have a relatively high beta. n. A mortgage lender requires the borrower to offer the house as collateral