Market failure associated with the free-rider problem is a result of: a. a project in which costs exceed benefits. b. b losses that accrue to providers of the product. c. a problem associated with pollution. d. benefits that accrue to those who don't pay.

d. benefits that accrue to those who don't pay.

Explanation:

Free rider is a form of market failure where benefits accrue to those who don't pay for a good or service. The free rider problem leads to an inefficient allocation of resources.

For example, a well that would benefit all the members of a rural community is been built. Members of the community are encouraged to donate to this project. All donate except Donald. Despite Donald not donating, he still uses the well. Donald is free riding.

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the business rule that governs the relationship is one-to-many as there are multiple customers for each agent.