The benefits of social insurance are measured by the degree to which __________ as a result of the insurance; the costs of social insurance are measured by the degree to which ___________. a. all consumers are able to increase their total consumption; adverse selection is made worse by the insurance b. consumers are able to smooth their consumption; adverse selection is made worse by the insurance c. resources are redistributed from the fortunate to the unfortunate; adverse selection is made worse by the insurance d. all consumers are able to increase their total consumption; moral hazards due to the insurance are increased e. consumers are able to smooth their consumption; moral hazards due to the insurance are increased