I believe the answer you are looking for is D. Earlier, Both explain when the first messages were left. Hope this helps!
-Lion
A. It is the only one that has the person himself speaking
The value of the premiums the company takes in is higher than the value of the payouts it makes.
The insurance company always has a collection of premium. They will pool these premiums and invest it to other investments that have guaranteed payouts with the highest interest earned. In the event of payout, all revenue earned net of the amount paid is the profit of the insurance company.
the correct answer is comparative