Market failure associated with the free-rider problem is a result of: a. a project in which costs exceed benefits. b. b losses that accrue to providers of the product. c. a problem associated with pollution. d. benefits that accrue to those who don't pay.

d. benefits that accrue to those who don't pay.

Explanation:

Free rider is a form of market failure where benefits accrue to those who don't pay for a good or service. The free rider problem leads to an inefficient allocation of resources.

For example, a well that would benefit all the members of a rural community is been built. Members of the community are encouraged to donate to this project. All donate except Donald. Despite Donald not donating, he still uses the well. Donald is free riding.

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i dont know about your physical education course but usually the key is determination and not giving up

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.