Which of the Following Are Given as Reasons Why Individual

Which of the following are given as reasons why individual investors may be able to borrow at the same rates as corporations? I.Corporate loans must be negotiated and supervised.
II) Corporations often borrow using illiquid assets as collateral.
III) Individuals tend to borrow smaller amounts.
IV) Individuals can borrow on margin through a broker.

A) I and II only
B) III and IV only
C) II,III,and IV only
D) I,II,and IV only
E) I,II,III,and IV