A group of students are discussing authority and LTC insurance. Kairi states, "The state does not have the authority to regulate LTC insurance, only the the local and/or the federal government do." Michelle replies, "No, it is only the federal government that has that authority." Vincent pipes in, "All levels of government have the authority to regulate LTC insurance." Which? (Level 2) Group of answer choices a. Kairi b. Michelle c. Vincent d. None of the above