I need help in these questions. Please answer them 100% correctly. Please make them correct, dont answer wrong, be sure

44. Once an investor has assembled a well-diversified stock portfolio, her major concern is: a systematic risk b the risk-free rate c. idiosyncratic risk d. axiomatic return 51. The physical damage deductible on auto collision insurance is an example of: A. risk transfer B. loss control C. retention D. all the above E. A and C only 52. Losses sustained by a small number of insureds are shared by a large number of insureds. This is a short definition of: A. risk transfer B. pure risk C. pooling D. speculative risk