One group of the NAIC IRIS ratios is the profitability tests. The two-year overall operating ratio is Available answer options Select only one option A The insurer's combined ratio minus its investment yield ratio, measured over the past two years. B The insurer's combined ratio minus its return on assets ratio, measured over the past two years. C The insurer's combined ratio minus its return on equity ratio, measured over the past two years. D The insurer's combined ratio minus its investment income ratio, measured over the past two years