Financial intermediaries (FIs) can offer savers a safer, more liquid investment than a capital market security, even though the intermediary invests in risky illiquid instruments because:

One of carl's department employees was severely injured on the job. carl has called in psychological counselors to talk to the other employees and scheduled a series of safety trainings for the department to be completed by the end of the week. he has also asked the hr personnel to talk to the department about the disability insurance that the company offers and make sure that his employees know what is available. carl is using to cope with the stress caused by his employee's injury.