Before deciding whether to outsource a particular function, an insurer evaluates the expected benefits and drawbacks associated with outsourcing that function. One factor that would encourage an insurer to outsource a function is if the insurer A) has a higher degree of specialization in the function than does the vendor B) must maintain a high degree of control over the operation due to privacy concerns C) lacks sufficient capital to purchase the necessary technology and to hire and train staff D) currently has some capacity to perform the function and timing is not critical