PLEASE HELP 1.Which of the following is an example of adverse selection? Select one: a. Individuals changing their effort level after signing a fully-guaranteed contract b. Individuals who have existing medical conditions (but not physically apparent) decide to take up health insurance c. Individuals engaging in more risky behavior after receiving medical insurance d. Individuals changing their financial behavior or activity after receiving a loan 2.Which of the following is a feature of modern banking? Select one: a. During a bank failure, individuals are unable to get some portion of their insured deposits back b. Loans are sold and securitized c. There is less regulation and the market consists of a lot of small firms d. Banks currently hold onto loans and keep them on their asset sheets 3.Fill in the blanks: The government spending 600 billion during a recession to build new roads would be an example of (fiscal policy or monetary policy) . The Fed lowering interest rates to incentivize investment would be an example of (fiscal policy or monetary policy). If either of these policies caused inflation we'd expect to see it reflected when the BLS reports the (unemployment rate or CPI or Per capita GDP.) 4.Which of the following would be an example of inflation? Select one: a. The Fed buys back bonds in the open market b. Wages remain flat, but grocery and fuel prices go up by 10% c. The U. S starts to import more oil from Mexico d. The government spends 2 trillion on a stimulus package 5.Of the three options below, which factor is not necessarily correlated with long run economic growth? Select one: a. Investment in capital goods and "human capital" b. Technological Progress c. Having a large population 6.Which of the following is an example of a means tested social program? Select one: a. The Federal Reserve buys back bonds to inject liquidity into the markey b. The government bails out AIG during a financial crisis c. The government provides food stamps for people under a certain level of income d. Due to rising costs the government subsidizes doctors visits for pregnant women 7.Identify the following taxes as being regressive or progressive a. Income taxes b. Payroll taxes c. Sales taxes d. Estate tax 8.For California, which is NOT a requirement to collect unemployment insurance? Select one: a. Your past earnings must meet certain minimum thresholds. b. You must pay a $100 fee in order to apply for unemployment. c. You must be able and available for work. d. You must be unemployed through no fault of your own, as defined by California law.