Businesses, individuals, and governments often need to raise capital, while others have surplus funds. In a well-functioning economy, capital flows efficiently from those with surplus capital to those who need it. Transfers can take place in 3 ways: -Select- transfers without going through any type of financial institution, -Select- transfers through investment banks that underwrite the securities, and indirect transfers through financial -Select- that create new forms of capital.

1. Transfers without going through any type of financial institution - DIRECT TRANSFER

Direct transfer of funds refers to the scenario where the people who have surplus capital are able to get it to those who need it directly without the use of an intermediary.

2. Transfers through investment banks that underwrite the securities, and indirect transfers through financial ... - INDIRECT TRANSFER

When the funds flow through an intermediary such as an Investment bank or other financial institutions, the transfer is indirect.

3. INTERMEDIARIES that create new forms of capital.

Intermediaries take the surplus capital from those who have it and then create new forms of capital such as loans and equity investments to enable them pass the funds to those who need it.

i would get some file cabnitsits to store all my documents and paper work, then i would make sure to always keep my desk clean and organzed by using sticky notes to mark a stack of papers. and etc. but mainly i would just stay clean and organized because it will make lfe alot eaisier trust me. hope this !

answer; organization;