Which of These Is Not a Concern of the Australian

Which of these is not a concern of the Australian Government in relation to the level of insurance held by auditors?

A) insurance premiums will reduce in value.
B) consumers may not be able to access appropriate damages in the case of negligence.
C) as auditing is in the public interest any reduction adversely affects the wellbeing of the community.
D) all of the above are a concern