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According to Seligman, the client's presenting concerns and underlying difficulties are the _______ when treatment planning:
Adverse Selection
A situation where asymmetry of information results in high-risk individuals being more likely to participate in an agreement or market, leading to an inefficient outcome.
Moral Hazard
The situation where one party may take risks because they do not bear the full consequences or financial burden of their actions.
Health Insurance
A type of insurance coverage that pays for medical and surgical expenses incurred by the insured or provides reimbursement for health expenses.
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