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      <title>Moral Hazard by Lucia Farriss</title>
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      <description>Pictures that capture the idea</description>
      <language>en-us</language>
      <pubDate>2020-08-12 19:05:36 UTC</pubDate>
      <lastBuildDate>2025-01-21 00:06:08 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Insurance increases moral hazard.  Think of something that can be insured &amp; find a picture that shows risky behavior.</title>
         <author>luciafarriss</author>
         <link>https://padlet.com/luciafarriss/images/wish/710242446</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.swangolaw.com/wp-content/uploads/2017/09/reckless-driving-in-virginia.jpg" />
         <pubDate>2020-08-31 22:13:36 UTC</pubDate>
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         <title>Home-owner&#39;s Insurance - Lauren Johnson </title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713047629</link>
         <description><![CDATA[<div>Stove left on (risky behavior) which often results in a house fire.</div>]]></description>
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         <pubDate>2020-09-01 19:29:17 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713047629</guid>
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      <item>
         <title>Erandy - Renters Insurance</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713075269</link>
         <description><![CDATA[<div>More likely to leave door left unlocked.</div>]]></description>
         <enclosure url="https://www.timeshighereducation.com/sites/default/files/unlocked-open-door.jpg" />
         <pubDate>2020-09-01 19:39:17 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713075269</guid>
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      <item>
         <title>Johnna - Life Insurance</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713079052</link>
         <description><![CDATA[<div>A person would not normally depend on one device to keep them alive, but there is a safety net for their families</div>]]></description>
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         <pubDate>2020-09-01 19:40:36 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713079052</guid>
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      <item>
         <title>Adrien </title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713081173</link>
         <description><![CDATA[<div>Hurricane Insurance.<br>when power cuts damage your A/C.</div>]]></description>
         <enclosure url="https://images.unsplash.com/photo-1558919047-80f932b017cf?ixlib=rb-1.2.1&amp;ixid=eyJhcHBfaWQiOjc4MjZ9" />
         <pubDate>2020-09-01 19:41:23 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713081173</guid>
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      <item>
         <title>Phone Insurance</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713083280</link>
         <description><![CDATA[<div>Karina</div>]]></description>
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         <pubDate>2020-09-01 19:42:07 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713083280</guid>
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      <item>
         <title>Sonia- Health Insurance </title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713083378</link>
         <description><![CDATA[<div>Makes you want to explore new hobbies and feel immortal. </div>]]></description>
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         <pubDate>2020-09-01 19:42:10 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713083378</guid>
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         <title>Health Insurance - Louise</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713083420</link>
         <description><![CDATA[<div>You can pursue riskier sports.</div>]]></description>
         <enclosure url="https://stillmed.olympic.org/media/Images/OlympicOrg/News/2018/10/11/Gymnastics/2018-10-11-gymnastic-all-around-thumbnail.jpg" />
         <pubDate>2020-09-01 19:42:11 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713083420</guid>
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      <item>
         <title>Seanette - Homeowner&#39;s insurance</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713084688</link>
         <description><![CDATA[<div>No hurricane shutters because its "just a category 1 storm"</div>]]></description>
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         <pubDate>2020-09-01 19:42:38 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713084688</guid>
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         <title>Alexis - House Insurance</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713087997</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://melmagazine.com/wp-content/uploads/2019/04/Burning-House.jpg" />
         <pubDate>2020-09-01 19:43:40 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713087997</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713088168</link>
         <description><![CDATA[<div>Diego Sala <br>Car Insurance</div>]]></description>
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         <pubDate>2020-09-01 19:43:44 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713088168</guid>
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      <item>
         <title>Health Insurance </title>
         <author>mathardyjr</author>
         <link>https://padlet.com/luciafarriss/images/wish/713094200</link>
         <description><![CDATA[<div>Mathis</div>]]></description>
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         <pubDate>2020-09-01 19:45:48 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713094200</guid>
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      <item>
         <title>Saiydah Bryan- Travel insurance </title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713095215</link>
         <description><![CDATA[<div>leaving suitcases and bags in rental cars when traveling</div>]]></description>
         <enclosure url="https://c.pxhere.com/photos/b3/16/bags_travel_luggage_packed-714778.jpg!d" />
         <pubDate>2020-09-01 19:46:12 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713095215</guid>
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      <item>
         <title>Health Insurance-Evelina R</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713096789</link>
         <description><![CDATA[<div>People would follow rules and recommendations cause they can not risk getting sick.<br><br></div>]]></description>
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         <pubDate>2020-09-01 19:46:46 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713096789</guid>
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      <item>
         <title>Travel Insurance- Stephanie</title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/713155702</link>
         <description><![CDATA[<div>Cancelling prepaid, non-refundable trips.</div>]]></description>
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         <pubDate>2020-09-01 20:08:14 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/713155702</guid>
      </item>
      <item>
         <title>Disability insurance- Nina </title>
         <author></author>
         <link>https://padlet.com/luciafarriss/images/wish/716509790</link>
         <description><![CDATA[<div>Provides financial coverage if you get injured and are not able to work. </div>]]></description>
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         <pubDate>2020-09-02 23:47:25 UTC</pubDate>
         <guid>https://padlet.com/luciafarriss/images/wish/716509790</guid>
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