What is the main reason there is such a difference in these interest rates?

A. Lenders face greater risk on long-term
loans.
B. Consumers are less influenced by short-term
returns.
C. Lenders face greater competition for short-term loans.
D. Consumers are more hesitant to make long-term
investments.

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explanation:

an era of negotiation.

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most people now work in jobs where they do one  kind  of work; they are carpenters, bankers, cooks, mechanics, and so forth. likewise, most  businesses produce  only certainkinds  of  goods  or  services, such as cars, tacos, or gardening  services. this feature of  production  is known as specialization.

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