Since savings banks have to use short-term deposits to finance long-term fixed-rate mortgage loans, they sometimes lose money when there is a rise in short-term rates and, on the other hand, they are unable to raise the rates on their mortgages. (A) when there is a rise in short-term rates and, on the other hand, they are unable to raise (B) when short-term rates rise and they are unable to raise (C) when a rise in short-term rates occurs and, correspondingly, there is no rise possible in (D) with a rise in short-term rates, and they are unable to raise (E) with short-term rates on the rise and no rise possible in