pls solve those 2. thumb up for u, thank you

13. The main differences between forwards and futures are: 2. The first is an agreement to buy an asset, while the second an agreement to sell an asset at a specific price. The list are traded over the counter, while the second ate traded on an exchange The first can have as underlying asset only interest rates, while the second can also have other commodities d. The first give you the possibility to exchange payments, while the second does not offer you this possibility. 14. An example of moral hazard in case of insurance companies is: 2. An individual who buys a health insurance continues a healthy diet and exercises every day b. An individual who buys a property insurance and then sets his house in fire. c An individual who buys a car insurance parks it in a safe parking aca d. An individual who buys a life instance and then engages in life- threatening activities