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Question 32 (0.5 points) The representation ut = u (Ht, Zt ) where Ht is the level of health, and Zt is a composite good (video games, opera, company of friends etc), and Z is referred to as home good over the time period 't' gives an individual's ut , which is Time constraints Utility Useful activities Resource Utilization Question 33 (0.5 points) A young man with HIV owns a life insurance policy worth $10000. He needs money for treatment, so he sells his life insurance policy to a third-party firm for $5000. This market is called Non vital settlements market Non viatical settlements market Vital settlements market Viatical settlements market Question 34 (0.5 points) A hospital run by a board of trustees who want the hospital to be successful financially but are also concerned with the quality and quantity of medical services provided, especially to individuals who cannot afford them at market rates. They are willing to accept reduced profits in exchange for more output or higher quality output. This is an example of _ _non-profit theory. Government failure theory Altruistic-motive theory Asymmetric information theory Non-profits for profits in disguise Question 35 (0.5 points) The inherent riskiness of a customer before he buys an insurance policy against that risk, is called Ex advance risk Ex post risk Ex ante risk Ex early risk