Which of the following scenarios describe a situation that leads to adverse selection?

A. Mr. Reyes is applying for a business loan. He knows pretty much how he intends to spend the proceeds of the loan and has an optimistic view of his business prospects.

B. Josh recently availed of an insurance policy from a friend who guarantees quick claims. As such, Jeff is confident that he will have money for repair if an accident happens.

C. Kang was hired by a company during this pandemic and had a guaranteed yearly salary in the next three years.

D. A 27-year-old relatively healthy patient visited a docto's clinic and requested for an executive checkup prior his Covid-19 vaccination. The doctor performed all the tests available in the nearby diagnostic clinic after the patient showed his company-issued health card.