Which of the following statements about a personal risk management program is (are) true?

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Which of the following statements about a personal risk management program is (are) true?

I. Insurance and retention are the only techniques used to handle potential losses.

II. The steps in a personal risk management process are the same steps used by businesses.

A) I only

B) II only

C) both I and II

D) neither I nor II

Answer: B) II only

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