A risk-lover is an individual who prefers a lottery with some expected value to a fixed amount of money with the same value. Show that with limited liability, a risk-neutral or even a risk-averse borrower may behave as if he is a risk-lover when considering the projects in which he would like to invest. Explain how this feature (of limited liability) drives a wedge between projects that the lender considers profitable and those that the borrower considers profitable.