It is important from an operational risk management perspective to understand the causes of an event and its consequences. Which of the following statements can be classified as a cause which can lead to an operational risk?

1. The fire hydrants on the ship were faulty.
2. There was an explosion at the chemical factory.
3. The truck driver was driving under the influence.
4. Customers can not log into their online banking.

Choose the correct option:

A.

I, III and IV

B.

II and III

C.

I and II

D.

I and III