It's most likely referring to Spirit. But I could be Word as well depending on the context. It's definitely not Pages.
My final answer would be Spirit.
Answer:
Moral Hazard
Explanation:
The term 'Moral Hazard' refers to a scenario where a person is willing to take on higher risk or in this case, is willing to incur a higher cost as Robert understands that the cost will be covered by his employer. Such a hazard usually arises from situations when initially the involved parties do not have clear and complete information. Once the new information is shared, they tend to change their behavior and take up a risky or expensive option like Robert did.
Frairs typically work in community settings reaching out to the people and serving in a church. They spend more time with people practicing their faculties. Monks live in cloistered environment that are usually dedicated to prayer and more focus on silence and solitude.
Hope this helps.