Explain which types of insurance coverage (a) or (b) within each pair would most likely cause more problems resulting from moral hazard and the reasons: i. (a) Indemnity payments of $10,000 for each eye or limb lost or (b) Indemnity payments of $50 for each day spent in a nursing home ii. (a) Treatment in an emergency room or (b) Treatment in an intensive care unit iii. (a) Arthroscopic surgery for knee injuries or (diagnose/treat joint problems) (b) Amputation for foot injuries (remove of a leg) iv. (a) Family counseling or (b) Electroconvulsive therapy (a procedure that small electric currents are passed through the brain trigger the seizure)