One of the TUZ Insurance Company strategies is to increase written premium by 5% each year. Over the past three years the written premium has actually decreased 3%. The TUZ management has decided to enter into a SWOT analysis to determine what changes may be needed. Which one of the following would be a "weakness" that TUZ might find through this analysis? Available answer options Select only one option A TUZ has reduced the size of its producer force. B TUZ has a very seasoned underwriting staff. C Policyholder surplus is presently in excess of 3-1. D Competitors have been adding independent agents