Desi Inc. has 10,000 sales persons and employees in Bangladesh who drive company cars. Mr. T, risk manager of Desi Inc, has recommended to the firm's management that the company should implement a partial retention program for collision losses to company cars. Describe the factors that Desi Inc. should consider in deciding whether it should partially retain the collision loss exposure to company cars. 2.5 If the partial retention program is implemented explain the various methods that the Desi Inc. can use to pay for any collision losses to the company's car. 2 Explain the advantage and disadvantage of a retention program to Desi Inc