Bruno owns a French Poodle that he advertises for sale.The dog has a history of viciously bitingthree local neighborhood kids without reason as well as one of Bruno's kids.Marge is looking for a dogto be a playmate for her children.When she comes to Bruno's house to see the dog, she sees it playingwith Bruno's kids and doesn't ask about the dog's past behavior.She tells Bruno that she's looking for adog for her kids and Bruno says nothing.Five minutes after the dog enters her house, it bites one ofMarge's kids:

a. Bruno has not committed a fraud because silence cannot be considered a fraud

b. Bruno has not committed a fraud because Marge didn't specifically ask if the dog bites

c. Bruno has committed a fraud because he withheld a material fact

d. Bruno has committed an innocent misrepresentation because he didn't state a lie but only withheld all ofthe truth