1. Insurance or a guarantee to cover looses may create a moral hazard:a. which is an increase in the chane that a random accident will occurb. which is an incentive to decreased risk-taking by the insuredc. which is an incentive to increase risk-taking by the insurance authority.d. which is an incentive to increase risk-taking by the insured2. the maximum amount of FDIC deposit insurance per eligible retirement account is:a. 25000b. 50000c.250000d.1500003. The FDICS use of purchase and assumption resolution of failed banks has resulted in de facto 100 percent deposit insurance because:a. all accounts up to 100000 have been paid off by the FDICb. the assuming bank assumes all deposits of the failed banksc. the assuming bank assumes all deposit up to 100000d. the large accounts above 100000 are assumed by the FDIC4. Which bank regulatory agency charters national banks?a. the comptroller of the currencyb. the federal reservec. the FDICD Individual state agencies