3.

Redlining traditionally refers to:

Select one:

a.

the fact that life insurance companies are publicly listed companies.

b.

insurance companies refusing to issue insurance to individuals with particular characteristics.

c.

a situation in which two parties do not have the same information.

d.

the risk of immoral behaviour that has negative consequences because the person causing the problem does not suffer any (or much of the) loss or perhaps even benefits from it.