Define the term moral hazard.

Multiple choice are:

	it is an ethical violation
		it is a legal violation
		it is an opportunity for an agent to take unobserved actions for personal benefit at the expense of the principal
		it is a moral violation
		A and B
		A and C
		A and D
		B and C
		B and D
		C and D
		all but A
		all but B
		all but C
		all but D
		all are true