Which of the following is not a business transaction?

In the winter, an appraiser observed that the inside of an exterior wall of the house is about the same temperature as other interior partitions. The appraiser would come to the conclusion that:

a. The furnace is sufficient b. The wall insulation is adequate. c. Heat is leaking into outside walls. d. The heating duct system is not properly sealed.

The National Association of Insurance Commissioners (NAIC) administers an "early warning system" to help ensure insurance company solvency

This system uses data provided in the annual statement to identify companies that may pose a solvency risk. This early warning system is called A) the risk-based capital requirements. B) an insurance guaranty fund. C) the Insurance Regulatory Information System (IRIS). D) the assessment method.