harry gets a loan to purchase a house. after buying the house, he decides to knock the building down and build a grass hut in its place, reducing the value of the property. this is an example of the problem the lender could solve this problem by . a. moral hazard/requiring collateral b. adverse selection/including covenants in the loan contract about how the property can be used c. moral hazard/including covenants in the loan contract about how the property can be used d. adverse selection/requiring a credit scor