When Pete Painter changes insurance companies, his insurance broker advises him that he needs an "unintentional failure to disclose hazards" endorsement. This endorsement will preserve coverage for

a$.$ operations that existed at the policy inception date but were unintentionally not reported to the insurer.

b$.$ operations that commenced after the policy expiration date and were unintentionally not reported to the insurer.

c$.$ losses that occurred before to the policy inception date but were unintentionally not reported to the insurer.

d$.$ losses that occurred after the policy expiration date that were unintentionally not reported to the insurer.