Please hurry

Karl is an insurance advisor. He is meeting with his client, Terence, to discuss his potential need for disability insurance. Karl has already discovered Terence's objectives, and understand what he wants to achieve. Karl is now trying to calculate the level of coverage that Terence needs. Which step in the risk assessment process is Karl currently in? a) Draft recommendations for appropriate risk management strategies b) Determine and categorize risks O c) Discuss concerns and goals O d) Collect financial data