Which of the following statements is (are) TRUE? Select one or more alternatives: a If a dealer quotes a bid and an ask exchange rate then the bid rate will be lower than the ask rate. b Assuming CIP holds, if the forward HC/FC exchange rate is higher than the spot HC/FC exchange rate, the FC interest rate should be lower than the HC interest rate. c On average, we can predict what the spot exchange rate will be in one year from today based on the current spot rate and the interest rates of the two currencies. d If a company wants to enter into a currency forward contract to hedge its foreign currency exposure, it must first find another company that wishes to hedge the opposite foreign currency exposure.