If a Risk may occur but not often and may also cost a lot if it happens it should be Retained Transferred Avoided Loss Controlled None of the above QUESTION 20 What group can or may provide insurance for risks that primary private insurance carriers like State Farm Allstate and so on, do not generally want to insure Secondary Insurance Brokers Captive reinsurers Foreign Carriers not based in US Pooling Groups or Reciprocals None of the above QUESTION 21 Insurance involves which of the following Pooling Law of Large Numbers Risk Reduction Loss Control