Which of the following tools are all commonly available to private insurers?

A. refuse entities seeking insurance; reinsure to lay off tail risk; refuse to pay valid claims; raise funds in the capital market

B. set risk-based premiums; refuse entities seeking insurance; refuse to pay valid claims; raise funds in the capital markets

C. set risk-based premiums; refuse entities seeking insurance; reinsure to lay off tail risk; raise funds in the capital markes

D. set risk-based premiums; refuse entities seeking insurance; reinsure to lay off tail risk; refuse to pay valid claims