In which of the following case would direct use of money markets be most appropriate?

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A) The federal government needs $5 million to build a new bridge

B) A firm has surplus cash on hand that it will not need for roughly six months

C) An individual investor who has extra $5,000 would like to invest for 30 days

D) A commercial bank has an immediate need for additional cash to make a loan

E) Both (B) and (D)