Which one of the following statements about risk financing measures for cyber risk is true?

a$.$ Disclaimers are the most effective way to transfer or finance cyber risk exposures.

b$.$ Traditional commercial property and liability policies provide the best option for financing cyber risk loss exposures.

c$.$ A significant drawback to risk retention as a method to finance risk is that it discourages risk control.

d$.$ A hold$-$harmless agreement is a type of noninsurance risk transfer that organizations can use to receive reimbursement for cyber risk