I think the answer might be Euchromatin. Chromatin exist in two forms. One being Euchromatin which is less condensed and can be transcribed.
The gap between the total death benefit and the policy's cash value. The gap between when a claim is filed and when the death benefit is received. The amount of interest that has accumulated in the policy's cash value.
A is a possible answer but i think b is the best answer to go with. so the answer is b
The host that is "carrying" the disease.