Structured report To demonstrate an understanding of the role of banks and new P2P players in consumer lending markets, students should aim to structure their report (max 5,000 words) in a way that addresses the questions below with reference to the case study and Zopa business model today: 1. Briefly outline the history of Zopa, with a focus on more recent years. What is the opportunity that Zopa founders saw in peer-to-peer lending? 2. Briefly discuss the Zopa's business model, profitability and regulation. 3. How does Zopa solve adverse selection problems? 4. How does Zopa solve moral hazard problems? 5. How does Zopa exploit economies of scale? 6. How does Zopa exploit economies of scope