Carol shares an office with an accountant. They want to make sure that their clients have privacy while discussing their finances, and so they alternate days and times and are never there at the same time. They both keep their files abeled cabinets and the office has a locked door to ensure their client files remain confidential Carol and the accountant also have a referral agreement when their dients need each other's services. What should Carol be concerned al

a$.$ O By sharing offices, she is not maintaining diligence or reliability. Advisors need to have their own offices to speak with clients.

b$.$O By referring clients to the accountant, she is not maintaining their confidentiality.

c$.$ O She should not be sharing an office with anyone outside of the insurance industry.

d$.$ O She is not protecting her clients' confidentially by locking their files in a secure location.