The underwriting department of an insurance company strives to achieve which of the following: I. Obtain a large number of homogeneous exposure units for each specific classification of exposure units. II. Have agents participate in the underwriting process by providing a preliminary screening of applicants. III. Suggest methods through which borderline applicants might become acceptable. Select one: a. I only b. I and II only c. I and III only d. II and III only e. All of these