Suppose Frances did not have full car insurance, and she drove very cautiously because she knew she would have to pay for any damage to her car. Now that Frances has car insurance, she tends to speed more because she knows that even if she gets into an accident, her insurance will cover it. Which of the following economic concepts is characterized in the story? Covenant Collateral Adverse selection Moral hazard Which of the following solutions would banks use to solve the asymmetric-information problems? Publish the names of individuals or companies that defaulted on their loans in local newspapers Require collateral Provide collateral Require certain amounts of net worth