Which of the following best describes the intended function of the workers' compensation experience modification rating (EMR) system? A. Modify the manual premium of an individual company based off that particular company's loss history over the previous, three, complete policy years. B. Serve as a mathematical means to adjust workers' compensation premiums in a manner that is supposed to be predictive of future losses. C. Serve as a mathematical means to adjust workers' compensation premiums in a manner that accounts for both the frequency and severity of losses. D. Measure a company's safety performance. E. All of the of the above F. Just A, B, and C