Greatview Insurance is a personal lines insurer offering automobile and homeowners insurance. The company's rates, staffing levels, and producer commissions are similar to those of its competitors. For the past three years the company's combined ratios have been steadily increasing. Both the automobile and homeowners portfolios have consistently had loss ratios below 75%, but the company's expense ratio has risen each year. The management team has negotiated a goal for the coming year of a 6% reduction in expenses. Which one of the following strategies would best help Great view achieve this goal? 

A Train employees to fine-tune their skills, improve their productivity, and reduce their errors. 

B Increase the premiums the company charges in order to offset the increasing expenses.

C Reduce producer commissions and add direct distribution channels which are usually less costly.

D Introduce cost-cutting measures including laying off staff and strictly limiting variable expenses