All of the following statements about excess and surplus lines market are true EXCEPT\ \ \ All of the following statements about excess and surplus lines market are true EXCEPT\ \ \ a. Surplus lines are used for hard-to-place risks that have been declined in the standard market;\ \ b. Surplus line coverage is provided by nonadmitted insurers;\ \ c. Surplus line insurers are not required to obtain approval for their rates, forms and underwriting rules;\ \ d. Surplus line insurers can only be alien insurers.