Nonzero real numbers $x$, $y$, $a$, and $b$ satisfy $x < a$ and $y < b$. How many of the following inequalities must be true? $\textbf{(I)}\ x+y < a+b\qquad$ $\textbf{(II)}\ x-y < a-b\qquad$ $\textbf{(III)}\ xy < ab\qquad$ $\textbf{(IV)}\ \frac{x}{y} < \frac{a}{b}$