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