Which of the following is an example of a negative externality?

Which of the following is an example of a negative externality?

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 Which of the following is an example of a negative externality?

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Christina accepting a payment in cash rather than in check for her laundry services

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Smith reducing the consumption of imported wine following an increase in the price of imported wine

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Tom playing music loudly in his room, disturbing his roommate who has an exam the next day

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Phoebe refusing to contribute to the building of a children’s park in her neighborhood
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