The phrase robbery or holdup, as used in burglary and robbery insurance, means the felonious taking of property in which of the following ways

a. By someone using a scheme, trick, or device designed to deprive the owner of the property

b. From within an insured premises, safe, or vault, by actual force and violence, leaving visible marks of forced entry

c. From insured premises left unguarded and accessible without evidence of forced entry

d. By use of or threat of the use of violence with the means to carry it out

Answer: d. By use of or threat of the use of violence with the means to carry it out