A person covered by a generous insurance plan smokes more cigarettes than he does normally. This is an example of a: lemon problem. moral hazard. adverse selection. risk selectionif there were a decreased fraction of divorced couples and an increase in the proportion of two-income families: both would tend to increase measured income inequality. both would tend to decrease measured income inequality. the decreased fraction of divorced couples would tend to increase measured income inequality, but the increase in the proportion of two-income families would tend to decrease measured income inequality. the decreased fraction of divorced couples would tend to decrease measured income inequality, but the increase in the proportion of two-income families would tend to increase measured income inequality