In the United States saving is allocated to its most productive use by Multiple Choice 0 the Federal Reserve. 0 the federal, state. and local governments. O regulations and laws designed to improve productivity. 0 a decentralized. marketoriented nancial system. Banks help savers find productive uses for their funds because banks are specialized in Multiple Choice O gathering information about and evaluating potential borrowers. O obtaining preferential tax treatment for savers. O securing government guarantees for loans. O evaluating the riskiness of stocks.Decentralized market-based financial systems improve the allocation of saving by Multiple Choice O ensuring capital gains exceed dividend payments. O eliminating the need for commercial banks or other financial intermediaries. O matching net capital inflows to net capital outflows. O providing information and risk-sharing services