International Delivery Inc. has a fire insurance policy on their warehouse. On the application, International misrepresented the age of the property to obtain a lower premium. When a fire destroys the warehouse, the insurance company can

a.not deny payment, because the application is not part of the policy.

b.deny payment, because of International's fraud on the application.

c.deny payment, because a fire destroyed International's warehouse.

d.not deny payment, because a fire destroyed International's warehouse.