When a household experiences financial shock (a) Co insurance means they can use past saving and self insurance means they can rely on friends to help them (b) Self insurance means they can use past savings or borrow money and co insurance could come in the form of friends assistance or government welfare (c) Both co and self insurance rely on the individual to find sources of assistance through borrowing of money (d) they cannot rely on co or self insurance as it is not available during financial shocks