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5. Given the complexity of the International Monetary Fund (IMF) actions, some of the critics are the following: a) Facilitates moral hazard due to lack

5. Given the complexity of the International Monetary Fund (IMF) actions, some of the critics are the following:

a) Facilitates moral hazard due to lack of accountability

b) One-size-fits all strategy

c) Promotes fiscal spending

d) All the above

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