15 Identify each of the following as an adverse selection or a moral hazard problem:

a. A person with car insurance fails to lock his car doors when he shops at a mall.

b. A person with a family history of cancer purchases the most complete health coverage available.

c. A person with health insurance takes more risks on the ski slopes of Aspen than he would otherwise.

d. A college professor receives tenure (assurance of permanent employment) from her employer.

e. A patient pays his surgeon before she performs the surgery.