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Holly goes to her bank to take out a loan, and the bank agrees to the loan on the condition that Holly maintain a balance of $1,000 in her savings account with the bank. This is an example of a bank using a O a. restrictive covenant as a way to mitigate the problem of moral hazard. O b. deductible as a way to mitigate the problem of moral hazard. O c. compensating balance as a way to mitigate the problem ofadverse selection. 0 d. compensating balance as a way to mitigate the problem of moral hazard