Which of the following strategies is NOT a common strategy used by banks to manage their exposure to credit risk against adverse selection ? credit rationing loan commitments screening and information collection specialized in lending to certain segment or types of customers Which of the following scenarios may NOT cause moral hazard problems? the government will cover the health insurance of all who cannot afford it the government cuts back welfare subsidies and requires recipients to show efforts to find job the government will always come to the aid of flood victims living in flood zones the government will bail out large banks which are considered too big to fail