Explain whether each of the following situations involves asymmetric information, adverse selection, or moral hazard: 

a. I am financing a new car. In applying for a loan, I withhold information about my student loan, and the loan does not show up on my credit report. 

b. Just before quitting my job, I take out all the credit cards I can. I plan to run them up to the limit and declare bankruptcy.

c. I take out a loan to manufacture a product. My costs end up being higher than expected, and there seems to be little market for my product. I am unable to repay the loan.