Commercial banks reduce risk faced by savers by Group of answer choices transferring long-term deposits into short-term loans. charging low interest rates on loans. specializing in one type of loan. pooling funds and diversifying types of loans.

China's new 5 percent tax on disposable wooden chopsticks, reflecting concerns about deforestation, has been praised by environmentalists. the move is hitting hard at the japanese, who consume 25 billion set of wooden chopsticks annually. almost all of the chopsticks used in japan come from china. the reuirements for chinese manufacturers of wooden chopsticks to pay the 5 percent tax is a factor in their external environment.