give Q24 correct answer in 10 mins i will give thumb up

Asking a borrower to post a large collateral reduces which of the following problems for the lender? Adverse selection only Moral Hazard only Transactions costs only free-rider problem only Adverse selection and moral hazard Adverse selection and transactions costs Adverse selection and free-rider Moral Hazard and transactions costs Moral Hazard and free-rider Transactions costs and free-rider