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Effects of Moral Hazard

When you pay a straight A student in advance to write your term-paper and that person spends money on the party and then decides not to do a fine job and hence you wind-up with an F for submitting sloppily written gibberish, you have just suffered since of: (i) Adverse selection. (ii) Plagiaristic license. (iii) Adaptive expectations. (iv) Moral hazard.

Can someone please help me in finding out the accurate answer from the above options.

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