Unity Insurance Company $($UIC$)$ has an operating ratio of $0\mathrm{.}98,$ a combined ratio of $1\mathrm{.}02,$ and a loss ratio of $0\mathrm{.}77.$ Considering these ratios, which one of the following statements is true for UIC?

A$.$ UIC's favorable financial basis expense ratio is offsetting losses, allowing an underwriting profit.

B$.$ UIC is collecting enough premium to allow a profit from its underwriting operations.

C$.$ UIC's investment income is offsetting losses and expenses from its underwriting operation, allowing an operating profit.

D$.$ UIC is collecting enough premium exclusive of investment income to allow an operating profit.