Moral Hazard: (a) Briefly explain the moral hazard problem created by low capital/asset (i.e., capital) ratio requirements for banks. (b) Briefly explain the moral hazard problem created by the flat-rate deposit insurance premium for banks. (c) Given that low capital ratios create a problem for banks, do banks generally favor increasing the minimum capital/asset requirement? Briefly explain. (d) Who ultimately bears the default risk of banks? (e) Should banks be charged risk-based insurance premiums on deposits? Briefly discuss