A small business lender is considering increasing the interest rate on its standard loan product in order to ensure that it breaks even on each loan. Which effects could this have on the average credit quality of firms applying for the loan? a) The average credit quality of applicants could increase, because of moral hazard. b) The average credit quality of applicants could decrease, because of moral hazard. c) The average credit quality of applicants could increase, because of adverse selection. d) The average credit quality of applicants could decrease, because of adverse selection