14. Which of the following risk management recommendations is (are) most appropriate to help the Butterfields manage their risk exposures? I. Purchase an excess liability insurance policy. II. Decrease their homeowner '5 coverage to 80% of the home's value. HI. Eliminate collision coverage on the Toyota. IV. Purchase an endorsement to cover their art collection. a. I and III only b. II and IV only C. II and III only (:1. I and IV only