Ciara is an insurance agent who is trying to place coverage for a customer who owns a camel farm that offers camel rides and a petting zoo. She has been unable to find a standard market carrier willing to insure the operation, so she has turned to the surplus lines market. Ciara's customer is an example of which one of the following categories of surplus lines?

a. High capacity risk
b. Very unique risk
c. Distress risk
d. Less-seasoned risk