Savers Should Do Which of the Following in Times of Falling

Savers should do which of the following in times of falling interest rates?

A) Use long-term loans to take advantage of current low rates.
B) Use short-term loans to take advantage of lower rates when you refinance the loans.
C) Select short-term savings instruments to take advantage of higher rates when they mature.
D) Select short-term savings instruments to lock-in earnings at current high rates.
E) Select long-term savings instruments to lock-in earnings at current low rates.