Ralf owns a home with a fireplace and a generator. He has stacks of wood and several 55-gallon drums of camping oil in his garage. He likes to go camping and leaves his home for several days at a time, often with a fire burning in his fireplace. In addition, he leaves his home unlocked. Which of the following hazards apply?

Physical hazard and moral hazard. Morale hazard only. Morale hazard and physical hazard. Physical hazard only.