In which of the following are risks being pooled, and in which would risks likely be spread by insurance companies?
(a) Insurance against Alberta's Bow River Valley flooding.
(b) Life insurance.
(c) Insurance for the voice of Avril Lavigne or Celine Dion.
(d) Insuring the voices of the lead vocalists in Metallica, Black Eyed Peas, Incubus, Evanescence, Green Day, and Jurassic Five.