 In this section, I will be sharing two more topics or two more concepts that can help an investor in reducing the adverse selection. So there is one thing called collateral. So what people do is, in order to avoid adverse selection, they always make it sure that the loan that we are giving should be secured. So when it is secured, it means that to guarantee that you will get it back, you keep the collateral with you. So basically, this is, this measure is taken to reduce adverse selection. Adverse selection basically, what is the way of reducing the collateral? What is collateral basically? Collateral is any property or any asset which is promised to the lender that if I fail the borrower, I can't give you the money which I owe you. If I can't give it within the stipulated time period, then whatever my promise date is, if I can't give you your money back, then you can seize my property or it will be yours. So that particular property which we can say that you have kept it in mind, we call it collateral. So through collateral, you can control the adverse selection as well. And because of this, all the lending that financial institutions do, financial intermediaries do, to secure it on the back end, they always make it sure that collateral is kept there. So when adverse selection is not in the credit market or to reduce it, collateral plays a very significant role in cutting down the thing. The next important thing is the concept of net worth. That also helps in reducing the adverse selection. People basically look at the value of net worth. Basically, it is the difference between total assets and total liabilities. Or if total assets minus total liabilities, which is called the shareholders' equity or the net worth or the book value, if that firm is quite high, then investors can be confident or bank or financial intermediary are confident that they can invest with such firms because here their credibility is indicating net worth too.