Which of the following would be considered discrimination? Select one:

a. An insurance company charges smokers a higher premium than non-smokers b. A life insurance company charges obese people a higher premium when it can prove actuarially that obese people have a greater risk for heart disease and will therefore die sooner than others. c. An insurance company decides to increase the premium charge on life insurance policies issued to non-Catholics because of difference in beliefs. d. A person who works as a race car driver has a higher life insurance premium than that of his neighbor who is an insurance agent.