I'm uncertain about the actuarial predictions part. I thought larger groups were better at following those predictions, but I could be mixing it up with another topic.
I think small employer groups might generate more administrative expenses, but I'm not entirely sure. It feels like I saw a question like this in practice.
Alright, I think I've got this. If the OWD for Accounts is set to Private, then creating public groups should enable anonymous users to register and browse, but not checkout or have line-level independence. I'll go with A and B.
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