Select all of the following options that represent a risk retention strategy rather than a category of insurance:

### Why this is right - **Property insurance** is explicitly listed among the recognizable insurance terms. - **Homeowners insurance** is also listed as an insurance heading. - **Commercial insurance** appears in the same readable list. - **Marine cargo insurance** is another named insurance category in the source. ### The concept The question asks for insurance categories, not every recognizable course term. The source names four categories, but most accompanying explanations are illegible. That means the categories can be identified without making claims about covered property, insured events, exclusions, policy limits, or claim requirements. Careful reading requires keeping the classification task separate from details that the document does not preserve. ### The other options - **Risk acceptance**: This is a risk-management option, not an insurance category. It is recognizable in another part of the source. ### Terms - **Insurance category**: A broad label for a type or area of insurance. - **Risk acceptance**: A choice to retain an exposure and bear its consequences. ### Remember Choose the four insurance headings, not a risk-management term.