"Principal-agent theory is a foundational concept in economics and organizational theory that analyzes the relationship between two parties: the principal and the agent. This theory explores how these two parties interact when they have different interests and goals. In this context, the principal refers to an individual or entity (e.g., a company's owner or shareholder) who delegates authority to an agent to perform specific tasks on their behalf. The agent, on the other hand, is the person or group (e.g., lawyer or manager) entrusted with carrying out the assigned tasks or making decisions for the principal, but the agent may have different goals or incentives than the principal. This can create a conflict of interest, as the agent may prioritize their own interests over the principal's, resulting in adverse selection and moral hazard." Based on this paragrah, continously rewrite a paragraph discussing the adverse selection and moral hazard Provide two versions of response separated with exactly 6 asterisk symbols: ******.
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