Which of the following distinguishes field underwriting from home office underwriting?
a) Field underwriting is done by agents, while home office underwriting is done by underwriters in the insurance company's headquarters.
b) Field underwriting is more detailed and thorough than home office underwriting.
c) Field underwriting is typically done for large commercial policies, while home office underwriting is for personal lines policies.
d) Field underwriting focuses on assessing the risk during the application process, while home office underwriting focuses on policy issuance and administration.