Answer: Moral hazards
Explanation:
Moral hazards refers to the situation where people take risk by maximising the inefficent decisions the outcomes may result in negative results which can adversly affect their health.
Answer:
c. choosing classes
Explanation:
Because that is the main thing is picking your classes that your interested in.
Answer:
Self-reference effect
Explanation:
This is a concept which supports the idea of any individual to have a better memory of event he is she is involved with directly than material that have less personal reference.
This is so because it Is natural to encode, store and retain your personal experience.