Which of these is the most accurate statement about forward, Finance Basics

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Which of these is the most accurate statement about forward

Which of these is the MOST accurate statement about Forward Rate Agreements 'FRA'

a. Forward rate agreements are used to manage currency exchange risk

b. Forward rate agreements can be used by corporations planning to borrow in the future to protect against the negative effects of market interest rates going down.

c. Forward rate agreements can be used by banks planning to loan funds in the future to protect against the negative effects of market interest rates going down.

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