$138.$ Raymond owns a hardware store with some $30$ employees. He provides his staff with agroup plan that covers prescription drugs, vision and dental care, and also includes long$-$termdisability insurance paying benefits equivalent to $60\%$ of salary after a waiting period of $16$weeks. When the time comes to renew the plan, he meets with his group insurance agent.Analyzing the group's claim history. They note that many employees and family membersmaximized their dental claims, which led to unforeseen costs for the plan. From the changesproposed below, which would help keep the plan's premiums at an acceptable level?$1-$ A reduction in the co$-$insurance factor for dental care$\mathrm{.}2-$ An increase in the co$-$insurance factor for dental care$\mathrm{.}3-$ A reduction in the deductible for dental care$\mathrm{.}4-$ An increase in the deductible for dental care$\mathrm{.}5-$ A reduction in the annual maximum for dental care$\mathrm{.}6-$ Opting for an "own occupation" definition of disability.a$\mathrm{.}1,3$ and $6.$b$\mathrm{.}1,4$ and $5.$c$\mathrm{.}2,3$ and $6.$d$\mathrm{.}2,4$ and $5.$