Im not sure with these could you please help me ? Thank you so much !

1. The Total Poverty Gap is the total income needed to eliminate poverty, normalized by the total income in society ( Is this F) 2. Moral hazard is important in credit markets, but not in insurance markets ( Is this F) 3. By increasing the interest rate, it is possible that a lender facing adverse selection may reduce her own expected profit. ( Is this T)