2. Esther, an underwriter for QRS Insurance Company, is not able to provide the coverage
   requested in Benny’s insurance application. Esther can reject the application, or she can:
   a. ask for a deposit premium
   b. make a counteroffer
   c. offer additional consideration
   d. shred it for security reasons

If Esther cannot provide the coverage requested in Benny’s application, making a counteroffer would be a strategic move. This means she can propose different terms or modifications to the original request that might better align with the company’s underwriting guidelines, potentially still meeting Benny’s insurance needs while protecting the company’s interests.

On the other hand, offering additional consideration could also be an option, where alterations in the policy terms are proposed to meet Benny’s situation. It shows flexibility and focus on finding a mutual agreement, ensuring Benny remains engaged in the process instead of simply rejecting the application outright.