In a Supply-And-Demand Graph for the Federal Funds Market, the Demand

In a supply-and-demand graph for the Federal funds market, the demand curve is downward-sloping because:

A) Higher rates give banks less incentive to lend to other banks
B) Higher rates give banks more incentive to borrow reserves
C) Lower rate give banks less incentive to borrow reserves
D) Lower rates give banks more incentive to borrow reserves