1. In terms of insurance, what is moral hazard and what do insurance companies do to try to offset it? 2. How did the drop in the birth rate cause problems for Social Security, and how would raising the benefits age help save the system? 3. How did finance companies misrepresenting the risk of adjustable-rate mortgages and offering second mortgages for more than a home's value contribute to the financial crisis? 4. . What exactly is the role of the Federal Insurance Office (F.I.O.) how was this created?