. A means-tested public pension program is preferable to an universal public pension program, because the meanstested program does not distort individuals behavior. True, False, or Un- certain? Support your answer with an explanation (one to two sentences) or a diagram. [2 marks] . If individuals have no savings, then all else equal we should have higher employment insurance benets. True, False, or Uncertain? Support your answer with an explanation (one to two sentences) or a diagram. [2 marks] . The more risk averse people are, the higher is the risk premium they are willing to pay. True, False, or Uncertain? Support your answer with an explanation (one to two sentences) or a diagram. [2 marks] . A compulsory employment insurance program avoids the adverse selection problem and elim- inates the moral hazard problem. True, False, 0r Uncertain? Support your answer with an explanation (one to two sentences) or a diagram. [2 marks]