4. Andrea Agent is about to sell Fred a new insurance policy even though she knows that Fred is very confused about several key features in the policy and may not have sufficient income to pay future premiums. Which statement about Andrea Agent's actions is correct? a. Andrea has likely violated her ethical duties by selling a product that Fred may not be able to afford. b. Andrea has engaged in the unlawful practice of rebating. C. Andrea has engaged in the unlawful practice of twisting. od. Andrea has not violated any ethical duties as long as Fred can pay the initial premium