23. All of the following transactions might indicate a money laundering red flag EXCEPT: O a. The customer sets up a monthly debit to pay premiums from his or her checking account. o b. The customer frequently overpays premiums and asks that overpayments be returned by company check. OC. Premiums are paid through wire transfers from off-shore banks. od. A producer who has struggled for the past three years has suddenly started experiencing high sales but also high policy activity involving frequent withdrawals and policy loans