Before Andrew can recommend the purchase of a deferred variable annuity to his client, Mary, he must have reasonable basis to believe all of the following EXCEPT:

• a. Mary has been informed of the various features of variable annuities in general.
• b. Mary would benefit from at least some of the unique insurance features of the annuity.
• c. Mary will realize a gain in contract values matching the illustrated returns Andrew presented prior to the sale.
• d. The recommended annuity contract is suitable for Mary based on information Andrew obtained from her during a data-gathering inquiry.