Choose the correct answer: 

1
In the neo-classical theory, rate of interest is determined by the marginal product of capital and rate of saving.  
2
In the neo-classical theory, rate of interest is determined by demand and supply of loanable funds. 
3
In the modern theory, rate of interest is determined by the demand and supply of time deposits. 
4
In the classical theory, rate of interest is determined by demand and supply of loanable funds. 

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