Financial institutions expect that _________
A、moral hazard will occur, as the least desirable credit risks will be the ones most likely to seek out loans.
B、opportunistic behavior will occur, as the least desirable credit risks will be the ones most likely to seek out loans.
C、borrowers will commit moral hazard by taking on too much risk, and this is what drives financial institutions to take steps to limit moral hazard.
D、none of the above will occur.