Question A12 In which of the following cases is there an adverse selection problem? A А A motor insurance market, in whi

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Question A12 In which of the following cases is there an adverse selection problem? A А A motor insurance market, in which the insurers do not know how carefully the insured people drive B A health Insurance market, in which the insurers do not know whether or not the applicants for insurance are habitant mokers C Employees may take less care of office technology like laptops or even incentives like company cars because their employer will pay for them if damaged Afirm that employs home-workers, but cannot observe how hard they are working E All the above are cases of moral hazard problem