From the options given below, select the option which states the correct combination of correct sentences.
I. The researchers emphasized that every variable affecting behavioural outcomes must be examined carefully before any generalized conclusions are drawn.
II. Hardly had the negotiations resumed when fresh disagreements regarding trade obligations began emerging between the participating nations.
III. A significant number of financial institutions has started integrating artificial intelligence into fraud-detection mechanisms to improve operational efficiency.
IV. The proposal submitted by the economic advisory panel, despite containing several innovative recommendations, fail to address the structural causes of rural unemployment adequately.