Which of the following is NOT a benefit of risk classification in P&C insurance? Guarantees the insurer's profitability. Improves the insurer's competitive position. Allows the company to target desirable risks. Allows the company to charge more accurate premiums to all risks. Policies typically cannot pay their first year expenses from the amount available from the first year premium, causing surplus strain. Which of the following is NOT a method for companies to handle this surplus strain? Cover the expenses from their surplus. Rely on reinsurance to provide surplus relief. Subsidize the expenses from another line of business. Modifying the system of valuing reserves