Oak processionary the same manner. Oak is its preferred food source, but the moth also eats the leaves of hazel, hornbeam, sweet chestnut, birch and beech. The moths pose an increasing threat to humans as their range is extended. The backs of older caterpillars (3rd to 6th instars) are covered with up to 63,000 pointed defensive bristles, which contain an urticating toxin (e.g., the protein thaumetopoein). The setae break off readily, become airborne and can cause epidemic caterpillar dermatitis (lepidopterism), manifested as a papular rash, pruritus, conjunctivitis and, if inhaled, pharyngitis and respiratory distress, including asthma or even anaphylaxis; however, as of
Moral hazard to pay for more of the negative consequences from risk as insurance coverage increases. For example, without medical insurance, some may forgo medical treatment due to its costs and simply deal with substandard health. But after medical insurance becomes available, some may ask an insurance provider to pay for the cost of medical treatment that would not have occurred otherwise. Sometimes moral hazard is so severe it makes insurance policies impossible. Coinsurance, co-payments, and deductibles reduce the risk of moral hazard by increasing the out-of-pocket spending of consumers, which decreases their incentive to consume. Thus, the insured have a financial