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Moral hazard is caused by
Special Interest Group
A group of individuals or organizations that unites based on shared interests or goals to influence public policy or opinion.
Police Unions
Organizations representing the collective interests of police officers, focusing on issues such as wages, working conditions, and legal protections.
Penn State University
A public research university located in State College, Pennsylvania, known for its strong academic programs and research initiatives.
Hidden Curriculum
Refers to the unspoken or implicit values, behaviors, and norms that are learned in school, beyond the formal content of lessons.
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