Two of the economy’s most important financial intermediaries are

a. suppliers of funds and demanders of funds.
b. banks and the bond market.
c. the stock market and the bond market.
d. banks and mutual funds.

The correct answer is D.

Explanation:

Bank intermediaries are those with the capacity to issue money. Within this group, we find private banks and savings banks. They offer services such as deposit-taking, loans, and credits, financial products such as cards, pension funds, and insurance.

A mutual fund is a Collective Investment Institution that functions as a savings instrument that concentrates the contributions made by some people who wish to invest their savings.

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ans.

heterothermic organisms include those organisms that can switch between homeothermic (having body temperature higher than environment) and poikilothermic (having variation in internal body temperature) strategies.

some migratory birds show heterothermy as they decrease their metabolic rate during cold nights to keep their body temperature low. drop in metabolic rate allows increase in production efficiency of birds that reduces the internal body temperature to make it equal to external cold temperature during cold nights.

thus, the correct answer is 'birds allow their temperature drop in order to increase their production efficiency.'