A foreign bank is considering whether to start offering consumer credit loans to lowerincome households in an emerging market economy. The bank has no track record of lending to these consumers. Suppose that the bank decides to charge higher interest rates on the loans it offers than competing banks in the same market. Moreover, suppose that the interest rate is independent of borrowers' creditworthiness. Which types of consumers should it expect to attract by doing so? a. Only consumers with high risk of default, because of moral hazard b. Only consumers with high risk of default, because of adverse selection c. All consumers types, because there is not enough credit in the economy d. The bank will not attract any customers