听力原文：From the lender's viewpoint, moral hazard is the risk in financial markets that some borrowers may engage in activities that are undesirable or immoral.
(3)
A．Some borrowers are engaged in undesirable activities which are considered immoral.
B．Some lenders are engaged in undesirable activities which are considered immoral.
C．Most borrowers don't engage in activities that are undesirable or immoral.
D．Most lenders don't engage in activities that are undesirable or immoral.
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