Acertificate of deposit pays a higher interest rate than a savings account because the money is a. guaranteed by the government. b. kept by banks for a longer time period. c. loaned to banks by consumers. d. immediately available to consumers.

I say the answer is

B

hope this helps!!

congress also has implied powers, which derive from the necessary and proper clause of the constitution and permit congress "to make all laws which shall be necessary and proper for carrying into execution the foregoing powers, and all other powers vested by this constitution in the government of the united states.

i think it’s will be a yes