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This video uses the film Wall Street: Money Never Sleeps to explain the concept of moral hazard. Watch the video, and then answer the following

This video uses the film Wall Street: Money Never Sleeps to explain the concept of moral hazard. Watch the video, and then answer the following question.
Which of these examples present a moral hazard? There may be more than one answer.
Correct Answer(s)
a car owner with collision car insurance coverage
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an employee who receives only three sick days annually
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a professional athlete receiving a guaranteed contract for hundreds of millions of dollars
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