1. All of the following are common dividend options found in life insurance policies EXCEPT

the purchase of the insurance company’s common stock

the accumulation of the dividends at interest

the reduction of future premiums

the purchase of paid-up insurance

2. ROE has fallen proportionally more than ROA since the Financial Crisis because

A NIM has fallen

B Non-interest expense has risen

C Capital requirements have increased

D All of the above

Please explain.