Which of the following are benefits derived from short-term financial planning? I. having advance notice of when your firm will require external financing II. being able to determine the extent of time for which a loan is required III. having the ability to time capital expenditures in order to place the least financial burden possible on a firm IV. knowing for certain what your cash balance will be six months in advance A. I and III only B. I, II, and III only C. II, III, and IV only D. I, II, and IV only E. I, II, III, and IV