Read the following passage and choose the appropriate terms to complete the sentences. Financial markets and financial intermediaries channel (Click to select) to (Click to select) They also channel money from individuals who want to (Click to select) for the future to those who need cash to spend today. A third function of financial markets is to allow individuals and businesses to adjust their risk. For example, (Click to select) such as the Vanguard Index fund, and (Click to select) such as SPDR's or "spiders," allow individuals to spread their risk across a large number of stocks. Financial markets provide other mechanisms for sharing risks. For example, a wheat farmer and a baker may use the (Click to select) to reduce their exposure to wheat prices, Financial markets and intermediaries allow investors to turn an investment into cash when needed. For example, the Click to select) of public companies are (Click to select) because they are traded in huge volumes on the (Click to select) (Click to select) M are the main providers of payment services by offering checking accounts and electronic transfers. Finally, financial markets provide information. For example, the [Click to select) of a company that is contemplating an issue of debt can look at the yields on existing (Click to select) to gauge how much interest the company will need to pay D