The Covidpandemic raised unemployment rates in the US,

	a.	hitting male workers very hard,like in the 2009recession.
	b.	hitting women harder than men, partly due to their sectors of employment
	c.	hitting discouraged workers the hardest because they already feel left out.
	d.	hitting 16-19year olds the most,because of the minimum wage

Patents are a way to convert

	a.	public goods,like ideas,intoprivate property, which encourages more innovation.
	b.	privategoods, like ideas, into public goods, so we have more of them.
	c.	markets into open-source vehicles.
	d.	private enterprise into public enterprise,but they discourage invention at the same time.

Adverse selection

	a.	refers to the risks associated with buying derivatives.
	b.	is a problem with insurance because after people are insured,they feel free to engage in risky behavior.
	c.	is a problem with insurance because high-risk people are the ones attracted to buying coverage.
	d.	refers tothe risk associated with choosing a limited stock portfolio,rather than a diversified selection.

3 points