Bob is an insurance producer who sometimes underquotes an actual policy premium to make a sale. When the policy comes in$,$ Bob explains to the client that the insurer must have made a mistake, but that he'll probably be able to get the premium reduced. From past experience, Bob has discovered that most clients forget about the amount of the original quotation and keep the policy. Based on this intormation, Bob is acting

A$)$ ethically but legally

B$)$ illegally and unethically

C$)$ legally but slightly unethically

D$)$ ethically but illegally