What is the following scenario an example of? ronny always locked his bike while he was in school, until his parents bought him bike insurance. after that he wasn't as worried about it getting stolen because he now had insurance, so he often forgot to lock it.
a. moral hazard
b. negative externality
c. public good
d. public choice theory

According to the federal regulations, which of the following studies meets the definition of research with human subjects? a researcher conducts a comparison of the comments made in a publicly available blog and the blogger's comments on a similar topic in a weekly magazine. undergraduate students in a field methods class are assigned a research question and asked to interview another classmate, to be followed by a class discussion on interview techniques. a cognitive psychologist enrolls undergraduate students for a computer-based study about the effect of mood on problem-solving behaviors. a researcher sets up a meeting with the superintendent of a large and diverse public school system to get data about the ethnic composition of the school system and the number of students receiving free lunches.