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All of the following describe examples of moral hazard EXCEPT


a lawyer does his work less carefully once he obtains malpractice insurance.


a car owner begins driving above the speed limit after buying automobile insurance.


an individual obtains health insurance following a diagnosis of heart disease.


an individual stops flossing and brushes his teeth less often after getting a new job that provides him with dental insurance.


a homeowner fails to do regular maintenance on his house after he increases the coverage under his homeowners insurance policy.

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