Which of the following is not part of a spending plan? a. fixed spending like rent and utilities b. variable spending like birthday gifts c. income you receive from working at a part-time job d. savings you make every month e. the specific stocks you buy as part of your investments f. the amount you give to charity

With signals from no-claim bonuses and deductibles, a. the marginal cost curve for careful drivers lies to the left of the marginal cost curve for aggressive drivers b. auto insurance companies insure more aggressive drivers than careful drivers because aggressive drivers have a greater need for the insurance c. the market for car insurance has a separating equilibrium, and the market is efficient d. most drivers pay higher premiums than if the market had no signals