Economists believe the free rider problem is very important in complex business organizational structures. still, businesses continue to build teams to solve problems or to deliver products to consumers. often special rewards or bonuses are provided to the team rather than to the individuals on the team. write a brief essay that either defends the economists' concern or explain why economists are wrong on this issue.

With signals from no-claim bonuses and deductibles, a. the marginal cost curve for careful drivers lies to the left of the marginal cost curve for aggressive drivers b. auto insurance companies insure more aggressive drivers than careful drivers because aggressive drivers have a greater need for the insurance c. the market for car insurance has a separating equilibrium, and the market is efficient d. most drivers pay higher premiums than if the market had no signals