Amy purchases health insurance from Joseph, who claims to be an agent for XYZ Insurance Company. XYZ Insurance Company knows that Joseph uses the company logo on his stationery, even though he is not an agent for XYZ$,$ but does nothing to stop him. XYZ must honor the terms of the insurance contract on the basis of

A$)$ relied authority.

B$)$ apparent authority.

C$)$ express authority.

D$)$ implied authority.