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11. A customer assumes the investment risk involved with her variable annuity. What does this mean?I. She is not assured of the return of her invested principal.II. As an investor, she can be held liable for the debts incurred by the insurance company.III. The underlying portfolio is primarily common stocks, which have no guaranteed return.IV. Since her payout is fixed, she will have no inflation protection.A. I and IIIB. I and IVC. II and IIID. II and IV

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