When asked to explain how defense costs are paid in the EPLI policy and how they are paid in the CGL policy, Gencon's risk manager responds that: (Search Chapter 5) a. In the EPLI policy, the costs are paid in addition to the policy limits; in the CGL policy they are paid within the policy limits, and therefore reduce the limits. b. Both the EPLI and CGL policies contain a separate limit for defense costs. c. In the EPLI policy, defense costs reduce the policy limits, whereas in the CGL the defense costs are paid in addition to the policy limits. d. The EPLI policy does not cover defense costs at all; the CGL policy provides coverage for defense costs in addition to the policy limits