What matters to people is the real value of money or income

Which of the following is the best example of an "adverse selection" scenario (from a business perspective)?

A. An attorney engages in legally-risky tactics after discovering that a potential settlement is larger than was initially expected. B. An employee begins stealing from the company after being passed over for a promotion. C. A habitually reckless driver chooses not to buy auto insurance. D. A person who drinks and smokes heavily conceals this information before buying health insurance.

During the 1990s, Japan's economy experienced

A) a tripling of values in the stock market. B) negligible inflation and unemployment rates. C) falling short-term interest rates. D) All of the above.