Consider the below client testimonial.  Which of the below risk factors are reduced by the use of cell phone technology to deliver insurance (select all that apply)?

"When Cornelius Tetteh's father passed away, Cornelius received GHS 2,500 ($725) from Airtel Insurance. Following his father's death, Cornelius explains how he came to terms with the huge cost involved in organizing a befitting funeral for his father. "How could someone like me afford a funeral for my father, a pastor, with hundreds of guests expected to travel from across the country. I was broken! "Cornelius learnt about Airtel Insurance from an SMS that was sent to his father's phone. As he had been nominated as the next of kin, Cornelius was able to submit the required documents to receive the insurance money. "There is no doubt that paying for the funeral expenses of a loved one can be costly," Cornelius explained. "Airtel Insurance comes in handy in Ghana where funerals are tremendously expensive."

	a.	Adverse Selection
	b.	Complexity of Claims Process
	c.	High Cost to Deliver Financial Services
	d.	Ex Ante Moral Hazard