1. How does adverse selection and/or moral hazard impact borrowers' decisions to stick by the terms of the loan when the reverse loan balance exceeds the market value of the house (due to sharp declines in housing prices)?

2. Explore the moral hazard resulting from the potential hesitancy of lenders to foreclose because of reputational risk.

3. Explore the consequences of asymmetric information that the lender has regarding the longevity of the borrower.

4. Explore the consequences of adverse selection and/or moral hazard on the borrower resulting from high initial expenses.

5. Explore the nature of adverse selection and/or moral hazard resulting from tenure loans, versus cash out?

6. How do the requirements of reverse mortgages mitigate adverse selection and moral hazard risks for the lender?

Please, Reference it or list all the references used thanks.