Banks providing depositors with checking accounts that enablethem to pay their bills easily is known as ________ . Financialintermediaries can substantially reduce transaction costs perdollar of transactions because their large size allows them to takeadvantage of _________ . Through __________ and assettransformation activities, a financial intermediary reduces therisks of its customers. The presence of _________in financialmarkets leads to adverse selection and moral hazard problems thatinterfere with the efficient functioning of financial markets. (fill the blanks from the following:
asymmetric information;free-riding; market power; liquidity services; economies of scale;risk-sharing;   )