which statements are true about financial intermediaries?

a$.$ they can build expertise and use economies of scale toassess and monitor risk, thus reducing the cost of borrowing.

b$.$ they achieve significant diversification: they can accept loans that might be too risky individually.

c$.$ they are able to lend large sums to large borrowers by pooling the money to many small investors.

d$.$ in the case of solvency problems, they can always borrow from the fed.