What risks does the Cambodia ROSCA (tongtin) participation pose to the client? a. Third party guarantees of loans made in tongtin Ob. Regulation from the National Bank of Cambodia c. Ex post moral hazard d. Cash flow shocks for participants What risks does the Cambodia ROSCA (tongtin) participation pose to the client? a. Third party guarantees of loans made in tongtin Ob. Regulation from the National Bank of Cambodia c. Ex post moral hazard d. Cash flow shocks for participants