16. Daryl, a life insurance producer, noticed that the applicant for a high premium universal life insurance policy became very tense when completing the customer identification portion of the application. Also, the driver's license did not match the address written on the application, which the applicant explained was due to a recent move. Observing his company's AML program, which is modeled after FinCEN rules, Daryl should first do what? o a. discuss the concerns with the customer and ask for an explanation b. discuss the concerns with a fellow producer before escalating the issue to the AML compliance department Oc. report the suspicions to his manager and let the manager decide if it should be escalated to the company's AML compliance department od report the suspicions directly to FinCEN