When the Owner of a Firm Sells "Recession Insurance" to Her

When the owner of a firm sells "recession insurance" to her employees, it means that the:

A) employees sacrifice larger bonuses during good economic times in return for higher salaries during bad economic times.
B) owner of the firm earns higher profits during bad economic times by skimming off the workers' salaries.
C) employees are not allowed to quit the firm for higher pay during good economic times.
D) employees are not allowed to quit the firm during bad economic times.