Question 29 3 pts Which is not a management practice for reducing the problems of adverse selection and moral hazard in insurance? deductibles restrictive provisions. reinsurance. limiting conditions none of these answers D Question 30 3 pts Banks do not want to hold too much capital because they want to minimize the costs of bank failures. higher returns on equity are eamed when bank capital is smaller higher capital levels attract the scrutiny of regulators two of the answers none of these