Answer both they are part of one question please

26 a) Which one of the following would be a benefit of an integrated approach to risk management?

Select one: a. Integration insulates the firm from macroeconomic factors that may have negative impacts b. Integration allows the firm to create objectives that address the oversight functions c. It assumes that crisis management is unnecessary d. Integration allows the risk manager a much easier job

26 b)Which one of the following is a criticism Lam makes of the silo-based approach to risk management?

Select one: a. it is basically irresponsible in managing risk b. It makes it impossible to quantify the aggregate exposure of the firm to risk c. It invites mistakes in estimating severity and frequency d. It relies on separate units in the company to address risks