Given a text T, and several options, according to the question posed in the text T to choose the most appropriate option from the options as the answer, please directly output the most appropriate option, do not need to output the explanation.

A characteristic of negotiable certificates of deposit is:
Option A:they are mostly available in small denominations.
Option B:they can be sold in the open market prior to maturity.
Option C:a penalty is imposed if the depositor withdraws funds prior to maturity.

Answer: B