Explain that banks and other financial institutions are businesses that channel funds from savers to investors. a. Compare services offered by different financial institutions, including banks, credit unions, payday lenders, and title pawn lenders. b. Explain the reasons for the spread between interest charged and interest earned. c. Give examples of the direct relationship between risk and return. d. Evaluate the risk and return of a variety of savings and investment options, including savings accounts, certificates of deposit, retirement accounts, stocks, bonds, and mutual funds.