Beth lives in the suburbs and works downtown. She drivers to work, and her most direct route to work would require her to pass through an area where carjackings and drive-by shootings are common. Bev does not drive through this area, but instead uses a route which adds 10 minutes to her commute. Which risk management technique is Bev using with respect to the risk of injury while driving through the dangerous area? a) risk transfer b) passive retention Oc) loss reduction d) avoidance