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Credit market problems of adverse selection and moral hazard increased as a result of all of the following except ________.
Night Terrors
A sleep disorder causing feelings of terror or dread, typically occurring in the non-REM sleep phases, often accompanied by screaming or flailing and with little to no recollection of the dream content upon waking.
Nightmares
Distressing dreams that wake the sleeper, often involving feelings of fear, anxiety, or sorrow.
Uncontrollable Sleepiness
Excessive drowsiness that cannot easily be controlled or resisted, often indicative of underlying sleep disorders.
Narcolepsy
A chronic sleep disorder characterized by overwhelming daytime drowsiness and sudden attacks of sleep, often with cataplexy.
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