Amir, who owns a semi$-$detached house, has applied to Muhammad for a private mortgage. Amir has provided an appraisal from a qualified appraiser. Amir's home is in a residential neighbourhood that has many recent sales of all property types. In reviewing the appraisal, Muhammad has asked his real estate agent for some information on the values of recent sales. Muhammad's real estate agent has told him that of the most recent sales in the Amir's neighbourhood semi$-$detached houses have gone up $5\%,$ while in the neighbourhood that the appraiser has used for his comparables they have gone up $20\%.$ Given this scenario which of the following statements is most correct?

Select one:

a$.$ The comparables are recent and for semi$-$detached houses, therefore they are acceptable

b$.$ The comparables are recent therefore they are acceptable

c$.$ As long as the appraiser is appropriately licensed the valuation is always valid

d$.$ It is likely that these comparables are being used to fraudulently create a higher valuation