Sally is a recent college graduate who lives in the suburbs and drives to work daily in the city. She recognizes that owning a car creates both property damage and liability exposures for her, and at the same time, she has the burden of student loans. For someone in Sally's circumstances, the most particular risk management technique for dealing with her auto-related loss exposures is:
a) Risk avoidance
b) Risk retention
c) Risk transfer
d) Risk mitigation