Which of the Following Reasons for Considering Long-Term Loans Inherently

Which of the following reasons for considering long-term loans inherently more risky thanshort-term loans is most accurate?

A) There is a greater chance that a borrower will default in a longer time frame.
B) The loan values are very sensitive to changes in market interest rates.
C) The penalties for closing out a long-term loan early make them unattractive to many investors.
D) Long-term loans typically have ongoing costs that accumulate over the life of the loan.