b. Family Dispensary, with the main business of dispensing medicines and medical aids /supplies, has more than 20 outlets in Hong Kong. Recently, the risk manager found that all the dispensary's inventory of medicines and medical aids /supplies were stored in a single warehouse. Hence, the risk manager recommended that the inventory be divided among three warehouses to prevent all inventory of medicines and medical aids /supplies from being destroyed by the same loss (e.g. fire). Splitting the inventory among three warehouses illustrates which risk management technique is used by Family Dispensary? Explain your answers. c. The production plant for Bonbon Sweet shop is located at an earthquake zone. Although the risk of earthquake is low, the risk manager of Bonbon Sweet shop is concerned that an earthquake could damage the plant and equipment. He obtained earthquake insurance quotations from insurance companies but found that the cost of earthquake insurance cover was too high relative to the risk. Finally, the risk manager of Bonbon Sweet shop did not purchase any earthquake insurance. Which risk management technique is Bonbon Sweet shop using with respect to the risk of earthquake? Explain your answers