问题如下：
An insurance company offers a policy that pays out if a worker becomes unemployed. Which of the following risks are applicable?
选项：
A.Moral hazard, but not adverse selection
Adverse selection, but not moral hazard
Moral hazard and adverse selection
Neither moral hazard nor adverse selection
解释：
C. There is both moral hazard and adverse selection. The behavior of a policyholder with a job might change (he or she will not be as concerned about being fired as he or she would be if there were no policy) and an employee without a job will not look as hard to find one. This is moral hazard. Also, the policy is likely to attract people with less secure jobs. This is adverse selection.
不是很能理解，这个应该是失业的风险，为什么属于moral risk和adverse selection
