3. Match the following financial instruments and securities with their issuers. \begin{tabular}{|l|l|} \hline Instruments/Securities & Issuers \\ \hline a. corporate stocks & 1. commercial banks \\ b. Treasury bonds & 2. corporations \\ c. municipal bonds & 3. U.S. government \\ d. negotiable certificates of deposit & 4. state/local governments \\ \hline \end{tabular}