The relative pronoun which in the fragment of the text
“which include banks, insurance companies, pension
funds, organized exchanges, and the many other
companies" (lines 24-26) refers to
In the fragment of the text “the efficient allocation of economic
resources is achieved by a financial system that allocates
money to those people and for those purposes that will yield
the greatest return” (lines 19-22), the verb form yield can be
replaced, without change in meaning, by
From the sentence of the text “The financial system of an
economy provides the means to collect money from the
people who have it and distribute it to those who can use it
best” (lines 16-18), it can be inferred that people who