Marvin Hardware operates in many locations in several states. Although generally pleased with its current insurer, it wants to get information and quotes from other insurers well before its renewal date, and wants to take advantage of the softening market underwriting cycle in the insurance industry. Given that scenario, which one of the following will Marvin discover? A. Competition is increasing and Marvin accepts a favorable lower quote. B. There is abundant marketplace capital meaning higher overall premium quotes. C. Premiums are on the rise and will probably go even higher. D. Very few insurers can provide acceptable lower quotes to Marvin.