Which of the following planning recommendations is least prudent in terms of risk management strategy?

		Add an inflation guard rider to the homeowners policy.
		Downgrade the homeowners policy from an HO-5 to an HO-2 policy on a high-end residence.
		Increase the underlying liability limits of homeowner and auto policies to the minimum required for the umbrella to stack without a gap.
		Consider dropping other-than-collision insurance (Part D) on an old, low-value vehicle.
		Increase the deductible on the homeowners policy if the client has cash flow difficulties.