Charles Blake told Wendy that he was an agent for Easy Pay Life Insurance Company. He

presented no credentials. He asked Wendy some questions about her health and activities,

and recorded the answers on scrap paper. He collected a $$250$ cash premium from Wendy.

When Wendy did not receive a policy from Easy Pay, she contacted the company. Easy Pay

said they do not have an agent named Charles Blake. Easy Pay is not responsible for

Wendy's loss of $$250$ because