Foster Department Stores has been hurt in recent months by a large increase in total shoplifting losses. Foster's risk manager concluded that while the number of shoplifting losses was high, the dollar value of each stolen item was still relatively low. What is the most appropriate risk management technique to apply to this problem? avoidance loss reduction loss prevention transfer through insurance XYZ Drug Company developed a new drug to combat the COVID virus. However, while the Food and Drug Administration (FDA) was testing the drug, it discovered that it produced a harmful side effect. When XYZ heard of the FDA's test result, XYZ abandoned its plan to produce and distribute the drug. XYZ's reaction illustrates: risk transfer risk retention Orisk avoidance hedging