The ABC Company has net written premiums in the amount of $4.12 billion and a policyholders' surplus of $2.84 billion. LMN Inc. has net written premiums in the amount of $9.85 billion and a policyholders' surplus of $3.55 billion. Looking at these two insurers, Available answer options Select only one option A The ABC Company is less aggressive in terms of using its surplus to leverage premium writings. B The ABC Company has a premium-to-surplus ratio that would be problematic according to NAIC. C The ABC Company has more relative exposure to risks associated with underwriting. D The ABC Company has less additional capacity to write business