Problem: Wayne keeps $25,000 in an interest-bearing time deposit with Commercial Bank. While earning a relatively attractive rate of interest, Wayne had to agree to not withdraw any of the funds until the end of a three-year period. Wayne's investment represents a(n) Question Select one: a. passbook savings account. b. negotiable order of withdrawal (NOW) account. c. individual deferred earnings account (IDEA). d. certificate of deposit (CD).