Select the correct statement and rationale relating the interest rates of online banks to those of traditional banks.
a. online banks offer greater interest rates than traditional banks because they are more risky,
b. online banks offer greater interest rates than traditional banks because they have lower overhead costs.
c. online banks offer lower interest rates than traditional banks because they have not had enough time to establish themselves.
d. online banks offer lower interest rates than traditional banks because that is the cost of convenience.

While cell phones with holographic keyboards are currently in the introduction stage of the industry life cycle, tablet computers are in the growth stage. in the context of this scenario, which of the following statements is true? a. the industry for cell phones with holographic keyboards will face greater competition than the tablet industry. b. while the industry for cell phones with holographic keyboards will focus more on product innovation, the tablet industry will focus more on process innovation. c. while the industry for cell phones with holographic keyboards can reap the benefits of economies of scale, the tablet industry will experience no such benefits. d. the industry for cell phones with holographic keyboards will face price competition, whereas, in the tablet industry, the mode of competition will be non-price.