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Having run a simple contrast with the univariate test, interpret the following table and decide which of the following statements is most appropriate.
Debt Securities
Financial instruments that represent a loan made by an investor to a borrower, typically consisting of corporate bonds, government bonds, and other types of loans.
Financial Institutions
Intermediary between savers and borrowers, collecting funds from savers and then lending the funds to individuals, businesses, and governments.
Certificate of Deposit
A financial product offered by banks that provides an interest rate premium in exchange for the customer agreeing to leave a lump-sum deposit untouched for a predetermined period.
Time Deposit
A bank deposit with a fixed term or maturity date, often yielding higher interest rates than savings accounts.
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