Question 12 7 pts An insurance company is O not a financial intermediary because they do not take direct deposits and do not make loans. O not a financial intermediary because financial intermediaries act as a go-between for borrowers and lenders. B. O a financial intermediary because they take deposits and make mortgages and car loans. O a financial intermediary because they take premiums and use them to purchase financial securities. Question 13 7 pts In determining whether to borrow funds, firms compare the rate of return they expect to make on an investment with O the total amount of profit they expect to make from the investment. O the interest rate they must pay to borrow the necessary funds. O the revenue expected from the investment. O the initial cost of the investment