What can be done to cut costs?

A company uses Web services to exchange mortgage and credit data as well as digital versions of associated documents. The data is confidential and it is common for the service and client to exchange applications, credit results, reports and more in a request/response format. Recently, the company has become concerned about the substantial cost of processing and message encryption with a PKI approach. What can be done to cut costs?
A. use MTOM to optimize the messages and provide data confidentiality via XML Digital Signature
B. because of the weak adoption of WS-SecureConversation on Java platforms, consider using Kerberos
C. use HTTPS as it is both economical and adequate
D. use WS-SecureConversation and MTOM to reduce the processing overhead

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