Lane owns a restaurant and he leased a meeting room at the restaurant to Rex for a company dinner. The lease specified that Rex, not Lane, would be responsible for any liability arising out of the use of the meeting room. Therefore, Lane would be held harmless for any damages. Lanes use of the hold-harmless agreement is an example of (a)______________.

• A. Non-insurance transfer
• B. Insurance
• C. Self-insurance
• D. Retention