Problem: A staff member of Gibsoncrest Insurance Company collected data to be used to analyze the homeowners portfolio results for the first six months of the current year. The loss count is at 53 percent of the year's planned goal. The average loss has steadily increased each month, and is now 10 percent above the average loss goal. Which one of the following statements correctly identifies a conclusion that the staff member should make, given this information? Select one: A. A loss frequency problem exists. B. A sales and marketing problem exists. C. A loss severity problem exists. D. A bookkeeping problem exists.