The following reaction has three mechanistic steps. Identify the pattern of arrow pushing steps in each step. 
Definitions:
Progressive Insurance
An American insurance company known for providing a wide range of insurance products, including auto and homeowners insurance.
Adverse Selection
A situation where asymmetrical information leads to transactions between parties where the high-risk party is more likely to participate than the low-risk party.
Moral Hazard
A situation in economic theory where one party takes more risks because they know another party bears the cost of those risks.
Product Failure
A situation in which a product does not meet the expectations of consumers or fails to perform as intended, leading to its commercial failure.
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