18. The use c-f credit scores in underwriting and pricing auto and hemecwners insurance {a} has been restricted by legislation in a number of states. (b) is illegal under federal law because if cc-nsiders an applicant's age, sex. and race. (c) is used primarily because it reflects the applicant's ability to pay premiums. (d) ncne cf the abcye. 19. The term pestselection underwriting refers tc {a} the underwriting that c-ccurs after all infc-rmatidn has been gathered. (b) the review of an undenwrriter's decision by a senior underwriter. (c) the final review in the underwriting process. (d) ccnsideratidn cf whether insurance fer an existing party should be continued. 20. Restricticns en pcstselecticn underwriting (a) generally make it easier for persc-ns to obtain insurance. {b} restrict cr limit an insurer frcm disccntinuing ccyerage fer existing insureds. {c} are beneficial tc mcst insureds and have few negative effects. (d) more than cne cf the abcye