25. The categories of InsurTech include Big Data and Analytics, Artificial Intelligence (AI) and Machine Learning (ML), Devices: Internet of Things (IoT), Telematics, and Drones and etc., Please discuss two possible drawbacks of these InsurTech innovations to clients, regulatory agency, or to the economy (8 points). 26. Explain the difference between loss prevention and loss reduction strategies with an example (8 points)