Which of the following is an example of a conflict of interest that States Insurance Company might face?

a$.$ States's insurance agents receive commissions as compensation, so they have an incentive to seek higher premiums for their customers.

b$.$ States's insureds report and file claims to their agents rather than directly to the claims department.

c$.$ States provides discounts to insureds if the insureds have more than one policy.

d$.$ States uses standard forms to write policies, so its underwriters know a great deal about how their competitors are issuing policies, too.