Oak processionary experiment with bird houses for the great tit has been carried out since 2016. It has been observed that the great tit likes to eat the young, not yet hairy caterpillars in the month of April. In serious cases of contamination, the use of relatively mild chemical pest killers has been allowed by local authorities. Because chemicals may be harmful to other insects, an alternative is the use of vacuuming equipment to remove the caterpillars, followed by incinerating the caught specimens. Oak processionary The oak processionary "(Thaumetopoea processionea)" is a moth whose caterpillars can be found in oak forests. They
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