QU Fill in the Blank: You might be more willing to lend to a bank at an interest of 4% rather than to lend to a friend at an interest of 10%, because you want to avoid free-rider problem choose and copy one of the following terms: adverse selection; moral hazard; agency problem; transaction costs; free-rider problem). 15 Fini Tim Fill in the Blank Pledging an asset is a common feature of debt contracts in Jordan as borrowers worry about losing the collateral in case of default Collateral in this case solves (choose and copy one of the following terms: adverse selection; moral hazard; agency problem; transaction costs; free-rider problem), A decline in JODIBOR (the Jordanian equivalent to the federal fund interest rates) holding everything else equal will cause the demand on housing to: O a housing prices are affected only by mortgage rate not by JODIBOR rate. b. will not be affected by the change in this rate. c. increase. d. decrease. One of the following is an example of how banks can reduce their transaction costs: a. spreading the cost of writing a one-time loan contract tailored to a specific client. b. spreading the cost of branches and office equipment. c. spreading the costs of hiring professional credit officers. O d. spreading the cost of monitring and enforcing debt contracts. Clear my choice