Machine learning capabilities are best suited for solving three broa problems: classification, prediction/estimation, and generation. An machine learning, predictive analytics, has proven to be effective at spotting fraud. At one large auto insurer, high accident rates for new client policies suggested that claims were being filed for preexisting damage. The machine learning model was able to use diverse data to identify groups of new policies with accident rates six times those of the median: This grouping formed the basis of a new pricing strategy that improved profitability by more than 10 percent. Your are the Chief 'Executive Officer (CEO) of this newly established insurTech business. When building your enterprise operating model with respect to utilizing machine learning technologies in your business what buidling block would you be focused on? a. A management system that cascades clear strategies and goals through the organization, with tight feedback loops b. Autonomous and cross-functional teams anchored in customer journeys, products, and services c. Flexible and modular architecture, infrastructure, and software delivery d. Agile, customer-centric culture demonstrated at all levels and role modeled from the top