Jill is super psyched about her backyard pool being opened up for the season. The pool is close to her house, and she's always wanted to jump into the pool from the roof of her house, however she's been worried about slipping and falling. This season though, she's installed antislip material on the roof so that she can more safely jump into the pool (from the roof). Among the following, what is the best description of Jill's situation? This is an example of adverse selection; Jill probably didn't tell the insurance company that she installed the anti-slip material, and she's not paying additional premium for this very expensive material. This is an example of moral hazard; Jill is changing her behavior to be more risky because she knows she is better protected This is an example of adverse hazard; Jill is changing her behavior and needs to tell the insurance company about this change This is an example of moral selection; Jill may jump from the roof, and if she falls, she may pay the ultimate price