Let
$U =$ Universal Set$= \{$ All college students $\}$
$M = \{$ All male students $\}$
$S = \{$ All students who smoke $\}$
$F = \{$ All Freshmen $\}$

Give a description of ''all students who are female and who smoke'' in terms of a set

A. $F \cup S \cup M$
B. $F \cap S \cap M$
C. $M \cup S$
D. $\overline{M} \cap S$