Marian is of Albanian descent and applies for insurance. Which of the following is true? Select one:

a. If her insurance company refuses to insure Marian because she is not American, it is rebating. b. If her insurance company charges her a higher rate because Marian lives in the ghetto, it is churning. c. If her insurance company charges Marian a higher rate because of her ancestry, it is discrimination. d. If her insurance company charges Marian a higher rate because she is not American, it is twisting.