bob martino has a checking account with a local bank. under sec indepdence rules, which condition would allow him to work on the firms audit of the bank? $1.$ balance in his account does not exceed federally insured limits $2.$ he charges less than $20$ hours to the audit engagement $3.$ he is not the lead engagement partner or manager on the account $4.$ the amount of moeny in his account is not material to his net worth