Nonzero real numbers $x$ , $y$ , $a$ , and $b$ satisfy $x < a$ and $y < b$ . How many of the following inequalities must be true?

$\textbf{(I)}\ x+y < a+b\qquad$

$\textbf{(II)}\ x-y < a-b\qquad$

$\textbf{(III)}\ xy < ab\qquad$

$\textbf{(IV)}\ \frac{x}{y} < \frac{a}{b}$