Equity Insurance Company Issues a Policy to Financial Holding Company

Equity Insurance Company issues a policy to Financial Holding Company (FHC) against "physical loss or damage from any cause." A power outage causes FHC to lose its computer data. FHC asks Equity to cover the costs arising from the computer downtime. When Equity refuses, FHC files a suit. The court is most likely to rule that "physical loss or damage"

A) does not include any costs associated with computer downtime.
B) includes loss of computer access, use, and functionality.
C) includes physical destruction or harm to computer circuitry only.
D) includes no loss or damage associated in any way with computers.