19 A) Which one of the following is NOT a benefit of using transfers to finance losses?

Select one: a. to assure the source of cash for losses b. to obtain secondary services supplied such as underwriting services c. to stabilize cash flows d. to stabilize the company's stock value

20B) Moral hazard can be defined as the _____ but a careless act that increases the likelihood or impact of a loss.

Select one: a. accidental b. unintentional c. planned d. intentional