它还不得不对各种各样可能出现的道德风险 — — 不正当的投机行为动机加以防范，对吸引客户的选择性偏倚问题多加留心。
Insurers must also be attentive to a wide array of possible moral hazards – perverse incentives to risky behavior – and to problems of selection bias in attracting clients.