Choose one of the options below. State your choice. Option 1: "As governments are generally considered the most creditworthy, investors are not concerned about the risk of government bonds. Is this statement correct? Explain." Option 2: "Government deposit insurance tends to encourage banks to engage in activities that are too risky. This is known as the adverse selection problem. Is this statement correct? Explain. Option 3: "For defined benefit funds, the amount of pension paid to an employee upon retirement is based on a formula defined on its start date (i.e. the first working day). Is this statement correct?