Task: Instance Description Understanding (ontology: Business_Finance/Financial_Industry_Business_Ontology)

Which of the following definitions best describes the instance 'manual underwriting'?

A. underwriting was performed using an automated underwriting system
B. The application was denied because necessary mortgage insurance was denied.
C. underwriting was performed manually
D. The application was denied because qualification information such as income, employment, credit, or residence) was not verifiable.

Answer: underwriting was performed manually