<Tr> <Td> Personal (show) <Ul> <Li> Credit / Debt </Li> <Li> Employment contract </Li> <Li> Financial planning </Li> <Li> <Ul> <Li> Retirement </Li> <Li> Student loan </Li> </Ul> </Li> </Ul> </Td> </Tr> <Ul> <Li> Credit / Debt </Li> <Li> Employment contract </Li> <Li> Financial planning </Li> <Li> <Ul> <Li> Retirement </Li> <Li> Student loan </Li> </Ul> </Li> </Ul> <Li> Credit / Debt </Li> <Li> <Ul> <Li> Retirement </Li> <Li> Student loan </Li> </Ul> </Li>

Who are the key participants in the financial institutions transactions what are their function(s)