Cynthia is reviewing an ACORD commercial application for automobile insurance. The applicant responded "yes" to the question of whether coverage has been declined, canceled, or nonrenewed during the past three years. All of the following explanations for cancellation or nonrenewal would likely affect the desirability of the account from an underwriting standpoint, EXCEPT: Select one: A. Too many losses with prior insurer B. Prior insurer's withdrawal from the applicant's state of operations C. Unwillingness to implement prior insurer's risk control recommendations D. Nonpayment of premium