Could you please solve this question?

Which of the following statements about adverse selection is incorrect?

Group of answer choices

a. When an insurance company is a victim of adverse selection, it is likely that the premiums calculated with last year's portfolio experience (i.e. the level of risk from last year) will be insufficient for next year.

b. Adverse selection happens when an insurer fails to advertise their insurance cover to the right risks.

c. When an insurance company finds a rating factor that is statistically significant, and it uses it to calculate its premiums, this can force its competitors to use the same rating factor.

d. Adverse selection may happen when one statistically significant factor is not used by one company, but is used by another.