As you get older, a Target Date Fund will adjust by…

Increasing your stocks and decreasing your bonds.

Decreasing your stocks and increasing your bonds.

Slightly decreasing your stocks and holding your bonds the same.

Holding your stocks the same and slightly increasing your bonds.

With signals from no-claim bonuses and deductibles, a. the marginal cost curve for careful drivers lies to the left of the marginal cost curve for aggressive drivers b. auto insurance companies insure more aggressive drivers than careful drivers because aggressive drivers have a greater need for the insurance c. the market for car insurance has a separating equilibrium, and the market is efficient d. most drivers pay higher premiums than if the market had no signals