1. insurance or a guarantee to cover losses may create a moral hazard a. which is an increase in the chance that a random accident will occur. b. which is an incentive to decreased risk-taking by the insured. c. which is an incentive to increase risk-taking by the insurance authority. d. which is an incentive to increase risk-taking by the insured. 2. most of the banks in the u. s. are chartered, of the federal reserve system and are insured by the a. state; members; fdic-dif b. national; members; occ-dif c. state; nonmember; fdic-dif d. national; member; frb-dif