Which of the following is $/$ are true about $$creaming$"($which one, there is only one correct letter answer, a or b or c or d$,$ to this question$)$

a$.$

Creaming lets insurance companies enroll members of a high risk group who otherwise could not get insurance.

b$.$

It is legal for an insurance company to do this because it represents good business practice.

c$.$

Both of the above are true.

d$.$

None of the above are true.