Consider the following description of an insurance product: "Political violence is a significant risk in many countries; endangering peoples lives, homes and livelihoods. MicroEnsures political violence insurance covers the outstanding balance of a borrowers loan in the event that the customers business is destroyed as a result of political violence or riots." This product protects clients from loss incurred as a result of:

a.Country Context

b.Moral Hazard

c.Poor Business Planning

d.None of these