Which of the following are accurate statements concerning the role that restrictive covenants play in reducing moral hazard in financial markets? A. Covenants reduce moral hazard by restricting borrowers' undesirable behavior. B. Covenants require that borrowers keep collateral in good condition. C. Covenants require periodic accounting statements and income reports. D. All of the above. E. Only A and B of the above.

What cylinder head operation is the technician performing in this figure?

James albemarle created a trust fund at the beginning of 2016. the income from this fund will go to his son edward. when edward reaches the age of 25, the principal of the fund will be conveyed to united charities of cleveland. mr. albemarle specified that 75 percent of trustee fees are to be paid from principal. terry jones, cpa, is the trustee. james albemarle transferred cash of $500,000, stocks worth $400,000, and rental property valued at $250,000 to the trustee of this fund. immediately invested cash of $360,000 in bonds issued by the u.s. government. commissions of $7,900 are paid on this transaction. incurred permanent repairs of $9,000 so that the property can be rented. payment is made immediately. received dividends of $8,000. of this amount, $3,000 had been declared prior to the creation of the trust fund. paid insurance expense of $4,000 on the rental property. received rental income of $10,000. paid $8,000 from the trust for trustee services rendered. conveyed cash of $7,000 to edward albemarle.

What are two benefits of consumer programs