In each of the following cases, identify the basic microeconomics concept or model that may help explain the observed behavior, and write one paragraph defending your answer (by explaining how the concept or model applies and why it justifies the observed behavior; a qualitative answer will suffice). a) A controversy erupted in Spain four years ago over the payment of a tax on the creation of mortgages. In response to popular pressure, the government decreed that this tax be paid entirely by the bank from now on, not by the customer. Banks did not push back against this policy change, despite many an observer's view that they would have a strong case if they chose to fight the government's decree in court. b) Until recently Samsung, a major producer of smartphones that compete with Apple's iPhone, would nevertheless supply Apple with many of the iPhone's components, such as memory chips, organic light-emitting diode (OLED) displays, and batteries