Directions. Coarsely chop tomatoes, peppers, and onions. Combine with garlic and cilantro. In batches, pulse mixture in a food processor until finely chopped. In a large pot, heat olive oil over medium-high until shimmering. Add mixture and cook, stirring occasionally, until thickened and reduced, 25 to 30 minutes (reduce heat if browning at edge).
Adverse selection is when the plans that provide most generous coverage will attract individuals with the greatest need for care, leading to elevated service use and costs for those insurers independent of their efficiency in service provision.
Thus the uninformed buyer's price creates an adverse selection problem that drives the high-quality cars from the market. Adverse selection is the market mechanism that leads to a market collapse. Akerlof's paper shows how prices can determine the quality of goods traded on the market. Low prices drive away sellers with high-quality goods leaving only lemons behind.