Which of the following statement is correct?

Automobile property damage in Arizona is negatively correlated.

In order to market insurance products to the customers, insurance firms use exclusive agents, independent agents, brokers, direct marketing tools, or internet.

The distribution costs incurred when an insurer investigates and attempts to determine the value of loss claim made against the risk-pool are called loss adjustment expenses.

Pooling arrangements reduce expected loss, but they involve costs such as marketing, underwriting, and verifying losses.

All the answers are incorrect.