An underwriter discovers a morale hazard, but the risk is otherwise acceptable. What is usually the best action for the underwriter to take?

$$ A$)$ Accept the risk as submitted because the other positive factors will cancel out the negative morale hazard factor

$$ B$)$ Attempt to place the risk with a substandard company willing to accept it

$$ C$)$ Reject the risk because the chance for control is negligible

$$ D$)$ Attempt to find ways to control the morale hazard so the risk is acceptable