Which of the Following Are Associated with the Cost Savings

Which of the following are associated with the cost savings provided by Software as a Service (SaaS) ?

A) SaaS users can benefit from a lower total cost of ownership.
B) SaaS users can benefit from the use of applications without needed to make a large initial investment.
C) SaaS providers can serve many users, enabling them to develop and maintain the software at a cheaper cost per user than if firms were to develop the software themselves.
D) All of the above options are associated with cost savings provided by SaaS.