Ryan decided to review his personal risk management program. His car is $10$ years old, and he would receive little money from his insurer if the car was damaged or destroyed. Ryan decided to drop the physical damage insurance on the car. From a risk management perspective, dropping the physical damage insurance on the car is best described as increasing the use of avoidance in the risk management program.

increasing the use of noninsurance transfer in the risk management program.

increasing the use of risk control in the risk management program.

increasing the use of retention in the risk management program.