Phillip is a mortgage broker, who is paid by commission. When interest rates decline, he does a lot of business and earns a lot of money, as more people buy houses or refinance their mortgages. But when interest rates rise, business falls substantially. To diversify, Phillip should choose investments thatA provide a higher return than the market averageB provide a lower return than the market averageC pay higher returns when interest rates rise and lower returns when interest rates fallD pay lower returns when interest rates rise and higher returns when interest rates fall