In which of the following are the risks being pooled, and in which would risks likely be spread by insurance companies?

a)Insurance on the voice of Avril Lavinge or Eminem. This is an example of _____________

b) Insuring the voices of the lead vocalists in Metallica, Black Eyed Peas, Incubus, Evanescence, Green Day and Jurassic Five. This is an example of _______

c)Insurance on a new set oil tankers being constructed, costing many billions of dollars.

d)House insurance.

The answer can be risk pooling, risk spreading, both or neither