$5$ Tara and Francis are friends who often work together as insurance advisors. One of Francis' clients requests an appointment to increase his coverage, but Francis informs him he has to be out af town. Francis discusses the eptiers with the client over the phone and outlines the discussion in an email to both the client and Tara. Tara then makes an appointment with the client on Francis's behalf and submits an application to the insurer. What does Tara have to disclose to the insurer?

a$.$ O The client's financial goals

b$.$O Her personal connection to Francis

c$.$ O Francis's email to the client and herself

d$.$O That she is representing Francis