Which of the Following Describes a Moral Hazard Problem

Which of the following describes a moral hazard problem?

A) a process by which individuals have substantial resources devoted to the exchange process and need to make a profit or they will be adversely affected
B) a post-contractual problem that may result because participants to the exchange process have information that allows them to act in an opportunistic manner
C) a process by which individual buyers or sellers with better information are more likely to participate in voluntary exchange
D) a contractual problem that results because monopolies exist in all economies