Claire met with James to sell him a property policy to cover his warehousing facilities. The appropriate amount of coverage was $$800,000.$ However, Claire's air$-$conditioning unit had just blown up and she had to use her "emergency funds" to replace it$.$ Because she need some extra money to replace her "emergency fund," she recommended that James purchase $$1\mathrm{.}5$ million in coverage. Selling property insurance limits that exceed the property's value is an example of $($Search Chapter $2).$

a$.$ windowing.

b$.$ insurer steering.

c$.$ overselling.

d$.$ unnecessary policy replacement.