Aside from helping individuals manage their money, the most significant contribution banks make to the U. S. economy is lending money to existing and new businesses
limiting individual and business access to funds
connecting consumers with businesses
offering interest on savings accounts

first second and third

explanation:

most are appointed by the president and confirmed by a vote in the senate. however, appeals court judges appoint federal bankruptcy judges, and district judges appoint federal magistrate judges. the qualifications for these positions vary depending on the preferences of the person reviewing nominees.

hope this , give me brainliest answer = )