Which of the following are recommended methods for reducing the risk of disparate impact?

Avoid intentional discrimination, always follow policies and procedures, and don't make exceptions.

Make exceptions to policies at the customer's request and follow federal fair housing law.

Review policies and procedures; know when to make exceptions; and follow all federal, state, and local fair housing laws.

Follow your instincts, tell customers you're a good person, and be prepared to make exceptions.