The correct answer is Financial institutions.![image](//cdn. Points

• Financial institutions play a critical role in mobilizing and transferring the economy's surplus to its ultimate users, such as businesses, governments, and individuals.

• These institutions act as intermediaries by collecting savings from individuals or entities and directing them toward productive investments or loans.

• Examples of financial institutions include banks, insurance companies, investment firms, mutual funds, and pension funds.

• They enhance the efficiency of capital allocation, ensuring that funds are directed to areas where they are most needed and can yield the highest return.

• Financial institutions are crucial for economic growth as they facilitate credit creation, risk management, and liquidity in the market.![image](//cdn. Information**

• Government Policy

• Government policies are frameworks and strategies designed to guide economic, social, and political initiatives.

• While they are essential for creating an environment conducive to economic growth and regulation, they do not directly mobilize or transfer the economy's surplus to users.

• Examples include fiscal policies (taxation, public spending) and monetary policies (interest rates, money supply).

• Manpower

• Manpower refers to the human workforce involved in the production of goods and services.

• Though manpower is an essential resource for executing economic activities, it does not perform the function of financial intermediation or transferring surplus funds.

• Commercial Centers

• Commercial centers are hubs for trade and commerce, facilitating the buying and selling of goods and services.

• While they support economic activity and growth, they do not act as intermediaries in mobilizing or allocating economic surplus.