Pine processionary by predators, parasites and viruses which attack the moth at different stages of its life-cycle: Efforts to control the pine processionary have included biological control using "Bacillus thuringiensis", which is effective on eggs and first or second stage caterpillars (in September or October), or insecticides such as diflubenzuron, an insect growth regulator, which can be sprayed from aircraft. Monitoring can include the use of pheromone traps. Older methods used insecticides in oil, inserted directly into nests, or mechanical removal of nests. Pine processionary The pine processionary ("Thaumetopoea pityocampa") is a moth of the family Thaumetopoeidae. Sometimes placed in the genus
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