Salwa knows that people in her family die young, and so she buys life insurance. Basim knows he is a reckless driver and so he applies for automobile insurance. Select one: a. These are both examples of adverse selection. b. The first example illustrates adverse selection, and the second illustrates moral hazard C. These are both examples of moral hazard. d. The first example illustrates moral hazard, and the second illustrates adverse selection