$$Black box$$ insurance is a new type of auto insurance that requires the buyer install a black box in their car that monitors speed, distance traveled, acceleration, time of day, and other factors. It would reduce $\{\}$ because drivers would have an incentive to drive more safely knowing that they were being monitored. It would especially appeal to drivers who are $\{\}$ drivers. It might be especially valuable for teenage drivers who are $[$the same as the second blank above$]$ because they would be able to signal their $\{\}$ by purchasing this type of insurance. If black box insurance were successful, regular insurance might be driven out of the market because as more $\{\}$ chose black box insurance, the proportion of relatively $\{\}$ drivers choosing regular insurance would increase, driving $\{\}$ the rates of regular insurance. In other words, black box insurance would create a$($n$)\{\}$ problem for sellers of regular insurance.