Stan has an employee, Barbara, who is the only female security guard at the company. Barbara is a "night owl" and loves to work the midnight to 8 a. m. shift for the company. Stan knows that working through the night is potentially more dangerous than working during the day, so he pays her an additional $2 per hour. This wage differential is likely an example of:

Pam is a low-risk careful driver and fran is a high-risk aggressive driver. to reveal their driver types, an auto-insurance company a. refuses to insure high-risk drivers b. charges a higher premium to owners of newer cars than to owners of older cars c. offers policies that enable drivers to reveal their private information d. uses a pooling equilibrium e. requires drivers to categorize themselves as high-risk or low-risk on the application form