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Which of the following is a true​ statement?A.The FDIC has reduced the problem of moral hazard but not the problem of adverse selection.B.The FDIC has reduced the number of depositors who have lost​ savings, but in doing​ so, has inadvertently encouraged banks to make riskier loans.C.Moral hazard is a problem that occurs before a transaction takes place when asymmetric information is a problem.D.Adverse selection occurs after a transaction has taken place in insurance markets.

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