The institutions that make up the banking system are a. thrift institutions, the chicago mercantile exchange, commercial banks, and the new york stock exchange b. thrift institutions, the u. s. treasury, the federal reserve, and money market funds c. thrift institutions, the federal reserve, money market funds, and commercial banks d. the world gold market, the u. s. treasury, the chicago mercantile exchange, and the new york stock exchange e. the world gold market, the federal reserve, the chicago mercantile exchange, and commercial banks

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the correct answer would be b, when, queen, calder hall and london.

explanation:

we always capitalize words when a paragraph or sentence is starting, when an important name is used, when a place is being written, or simply when a noun is used, etc. so in this sentence, sentence is starting from 'when', so it will be written in capital letters. secondly, queen is considered to be an important person, so it will also be written in capital letter. next, the name of the town is mentioned, i-e calder hall, which will also be written in capital letters. in the last,   city name is being used, 'london', which will also be written in capital letters. so option b is the most appropriate one.